LIFE INSURANCE
Life insurance is an important part of protecting your family's future in the event of your death. In retirement, life insurance can be used as a financial tool and can also provide living benefits. Our life insurance agents will help you to decide if life insurance should be a part of your retirement plan.
PRIMARY TYPES OF LIFE INSURANCE
TERM LIFE
UNIVERSAL LIFE
UNIVERSAL LIFE
Term life is temporary. It is for a specified "term" of time. Usually 10, 15 or 20 years. When the term is over, the policy ends. Term life does not accumulate cash value.
UNIVERSAL LIFE
UNIVERSAL LIFE
UNIVERSAL LIFE
Universal life is flexible. It can be designed to last your whole life or not. The flexibility of the policy is advantageous for some with changing needs. These policies may also accumulate cash value that can be used during the life of the policy.
WHOLE LIFE
UNIVERSAL LIFE
WHOLE LIFE
Whole life is permanent. It is meant to last your whole life. These policies often accumulate cash value and dividends that can be used during the life of the policy.
Hometown Retirement Specialists, LLC is not affiliated or endorsed by the Federal Medicare program, the Social Security Administration or any government agency.
Hometown Retirement Specialists, LLC does not offer every plan available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please visit Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
Hometown Retirement Specialists, LLC nor its agents offer tax, legal or accounting advice. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hometown Retirement Specialists, LLC, and our editorial staff. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any State other than the State(s) Hometown Retirement Specialists, LLC, is licensed or where otherwise legally permitted. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual agent prior to implementation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.
