Please reach me at wendy.wiltshire@yahoo.com if you cannot find an answer to your question.
I offer a range of insurance products including: Critical Illness Protection; Mortgage Protection; Retirement Planning; Life Insurance Protection; Investment Planning; Family Protection
Your insurance premium may be affected by factors such as your age, driving record, credit score, and the type of coverage you choose.
Buying Life Insurance provides protection for your family against the potentially devastating financial loss that could result if something happens to you. It provides financial security to help:-
· pay off debts,
· pay for children education,
· pay any medical expenses,
· pay for final expenses.
Life insurance provides a guaranteed death benefit to your family/beneficiary. As soon as the first premium is paid, the entire death benefit is set aside for your family/beneficiary.
Term insurance provides coverage over a specified number of years. If you die during the period, your beneficiary receives the death benefit.
Annuities are products that provide a constant guaranteed income for a specified period or the rest of your life.
Cash value is the portion of your policy that earns interest and may be available for you to withdraw against in case of an emergency.
Your beneficiary can be any person, organization, trust or your estate.
It is important to designate a beneficiary so that you can feel confident that the person(s) to whom you’ve decided your money should go can receive it. Having a beneficiary makes the process quicker and not tied up in court probate.
Yes. Children under age 18 can be named as a beneficiary. However, you will need to name a Trustee to whom proceeds will be paid in the event of your death while the child is still a minor.
These are non-medical critical illness plans which provide cash benefit in the first diagnosis of any of the following:-
Cancer - Heart Attack - Stroke - Coma - Paralysis - Major Burns
Choosing a revocable beneficiary enables you to easily change the beneficiary or make any changes to your plan without the beneficiary’s consent. However, if a beneficiary is irrevocable you will need consent in order to make any changers to your beneficiary or plan.
Wendy Wiltshire
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