PACHCIARZ CONSULTING LLC
What policy is right for you?
It's important to consult an expert before choosing your policy type. They may be able to provide more insight on what would be best for your family and situation.
Term Life Insurance
Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years—making it one of the most affordable ways to protect your loved ones.
If you pass away during the term, your beneficiaries receive the death benefit tax-free. It's a great option for covering temporary needs like mortgage payments, income replacement, or children’s education expenses. However, once the term ends, the policy expires with no cash value unless it’s renewed or converted.
Whole Life Insurance
Whole life insurance offers lifelong protection with fixed premiums and a guaranteed death benefit. One of its key features is a cash value component that grows over time at a guaranteed rate.
This cash value can be borrowed against or withdrawn under certain conditions, making it both a protective and financial planning tool. While it tends to cost more than term life, it provides stability, long-term value, and peace of mind.
IUL Life Insurance
IUL insurance is a flexible, permanent life insurance policy that combines a death benefit with the potential to build cash value based on the performance of a stock market index (like the S&P 500).
It offers greater growth potential than whole life, but with built-in protections to prevent loss during market downturns. Policyholders can adjust premiums and death benefits over time, making it a versatile option for both protection and tax-advantaged wealth accumulation.
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