Life and Disability
Under our RMIG Life department, our agents are fully licensed and expert in many different types of life insurance plans. As such, we offer our clients a wide range of products, from Guaranteed Acceptance Life Insurance to Term-Life to Universal Life Policies, and from many different underwriters giving you the options and information to make an informed decision.
Life and Disability insurance are used for many reasons. They give you and your family assurance that loved ones will be taken care of when you pass on, or if you suffer a disabilitating injury or sickness. Life insurance can be used to pay off your final debts, and allow your family to continue with a maintained lifestyle, or to help pay for your children's education.
Life insurance can also be useful in conjunction with the operation of a proprietary business, as in Key Person Life Insurance. The life insurance will ensure the company has the ability to preserve its going concern, or provide enough funds to help pay potential capital gains taxes. Life insurance can also help in securing debt financing as a collateral item.
Universal Life Policies, although not a new concept, they have been generating more and more interest over the last 10 years. In a nut shell, a Universal Life policy has all the benefits of Life insurance PLUS tax-deferred investing. A policy can be used for families or business owners, and can contain an array of options.
Other Life Products we offer include:
- Term, Whole and Universal Life,
- Health and Dental Care,