“Happily ever after” – a family that invests together stays together even when the unexpected happens.
Preparation and planning are key for the welfare and security of your family and beneficiaries upon your death. Having a plan and providing the financial means for your family are prime components in wise financial planning.
Three Reasons to Invest in Life Insurance!
- Debt coverage – will all of your debt be covered?
- Planning for the future – will you have enough money to pay for your children’s education?
- Income Replacement (the most overlooked reason) – will you have enough money to live on and sustain your current life style?
At Robertson Insurance our insurance agents find the right life insurance policy to fit the specific needs of your family so that you can feel secure knowing that your loved ones will be provided for after your death. This life investment ensures your family access to some of the income you would have earned to help pay off debts and other expenses.
Your Life, Your Investment
There are a number of factors used to determine the cost you pay for life insurance, including your age, health, occupation, tobacco use, and hobbies. Our agents work with a variety of life insurance providers to find the plan to fit your family’s needs. Choosing a plan depends on factors such as your budget, the amount of coverage you need, and the length of time you want the coverage to last.
Term Life Insurance: This option suits those looking to get maximum coverage with minimum cost with a short-term goal in mind. It offers temporary life insurance on a limited budget and can be purchased in large amounts for small initial premiums. It is generally used for loan payoffs, or providing supplemental coverage for an existing insurance policy. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that could last 5, 10, 20 or 30 years.
Permanent Life Insurance: Sometimes called “whole” life insurance, permanent policies provide long-term protection for your beneficiaries, usually 15 years or more. There are several options of coverage available, depending on your specific needs. Ask a Robertson agent for more details on permanent life insurance policies.
- Universal Life Insurance
Universal life insurance provides long-term death benefit protection with a flexible premium structure. Survivors may choose when they want the insurance premium paid and at what amount.
- Variable Life Insurance
Variable life insurance offers a choice of death benefit options and a potential to accumulate non-guaranteed tax-deferred cash value that fluctuates based on the performance of underlying investment options that you choose.Mortgage Protection Insurance: This form of life insurance specifically ensures coverage for your home:
- Pays off your mortgage in the event of death
- Makes payments if you become disabled for a period of time.
- If you never use this coverage, we give your money back when your mortgage is paid off.
Be sure to ask your Robertson insurance agent about our disability insurance and retirement planning to further protect you and your family or your business.
Our team of qualified agents understands life and can help you make informed decisions that fit your lifestyle – from start to finish. Robertson’s experience and reputation of industry excellence affords us a wider range of insurance carriers to work with, providing you with more choices and better budget options.
It’s simple, fast, and absolutely free! Just fill out the Get A Quote form now or call one of our representatives at 610-866-2400! Or stop in at one of our three convenient locations in the Lehigh Valley.
Providing insurance isn’t about the bottom line, it’s about developing a partnership – A COMMITMENT. We strive to rise above the norm to find solutions that are tailored to your specific needs and deliver an experience of trust, knowledge, and reliability. It’s simple, fast, and absolutely free!
