Life insurance
LIFE INSURANCE
Life insurance provides financial security and peace of mind by offering protection and a way to plan for life’s uncertainties. It can help cover loss of income, medical expenses, funeral costs, and everyday living expenses, ensuring your family remains financially stable during difficult times. Our experienced team is here to guide you in choosing the right life insurance policy tailored to your needs and designed to support your loved ones when it matters most.
Who needs life insurance?
Whether you’re just starting out, growing your family, or slowing down, LD&B can help you protect those people most important to you. We will guide you in choosing the best option for your situation and budget.
Types of Life Insurance:
Term Life Insurance
Term Life Insurance provides affordable coverage for a set number of years. You choose how long your insurance lasts and how much coverage you want. It’s a cost-effective way to ensure loved ones are not financially burdened should something happen to you.
Click here for a quick term quote!
Whole Life Insurance
Whole Life Insurance provides permanent protection with rates and coverage that are guaranteed to remain the same for your lifetime. Your whole life policy can build cash value that grows tax deferred. If you are thinking about retirement, the cost of final expenses (such as funeral or unpaid medical bills), or just want protection that lasts your lifetime, whole life insurance may be a good choice for you.
Universal Life Insurance
Universal Life Insurance provides protection that offers payment flexibility and the ability to adjust the coverage amount over time. Like whole life, it accrues a cash value and can help your family financially with final expenses. Univeral life insurance can also be used to help create a tax free inheritance or provide a charitable gift.
Long-Term Care Solutions
Some permanent life policies also offer living benefits that can be used to pay for nursing care. The premium will remain fixed throughout your life unlike traditional long term care insurance. If you are interested in long-term care insurance, life insurance, or a combination of the two, LD&B can help!
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How do you choose the right coverage?
If you have people in your life that depend on you, you need life insurance. Buying it now means taking care of those you love.
