Life Insurance
Business & Invidual Life Insurance
Unexpected death is something we don’t like to talk about, but it’s a reality of the world we live in. Would your passing place a financial burden on your family? Make sure those you love and care about are covered in the event of your untimely passing. Advantage Insurance Agency works to provide cost-effective life insurance plans to both individuals and businesses.
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How Can We Help?
Individual Life Insurance
Term Insurance
- Usually inexpensive in comparison to whole life, policy only remains in force for a limited amount of time (i.e. the term length of the policy)
Whole Life Insurance
- Level premium, builds cash value
- Build cash value that you can borrow against in the future
Benefits Include:
- Help cover loans/debt, college loans, home loans
- Help pay for funeral expenses
- Help your family continue to pay expenses while they finalize changes after your passing
Life Insurance for Business
When it comes to business life insurance, there are affordable options to make sure you and your business are protected. We’ve marketed an innovative life insurance program that is low cost to the employees that is no cost to the employers. Using the convenience of payroll deduction, we can provide your employees with additional financial security, thus removing benefits pressure on your management.
Key Person Life Insurance – life insurance for key employee; should this employee pass, policy benefit is used to help with expenses of hiring/training replacement for an important employee
Help Fund Buy/Sell Agreements – business partners purchase life insurance on one another. In the event a partner dies, the other partner(s) can use policy benefit to purchase the deceased partner’s shares in the business.
Group Life Insurance – life insurance that covers your employees; great additional benefit to help retain employees
Benefits include:
- Personalized for each employee and dependent
- No medical or physical examination
- Easy to administer
- The program is portable
- No risk to the employer
- No regulatory compliance, i.e., 5500 forms
- The program is entirely voluntary
- Cash values accumulate at attractive interest rates and are income tax deferred
- You are providing your employees a program that is not available elsewhere
The Marketplace at Your Fingertips
As your agent, we want to look out for as many aspects of risk to you and your assets as possible. When life happens, we want you protected. Your family members are the biggest asset you have and protecting your assets is worth talking about. We want you to know we have the life insurance marketplace at our finger tips and we can help you decide which protection makes the most sense for you.
Protect Your Family
Ask any of our staff about products that can help you and your family. For example, youth policies cover your children from birth and is something that you can give to them when they are older. Your business needs protection too! We provide it all at Advantage Insurance Agency. From our offices in Indiana and Ohio, we serve clients in over 30 states. Call us to protect your family.
Contact Us and Get The Advantage Today
Contact one of our Indiana or Ohio insurance agency offices to schedule your business or personal insurance consultation with Advantage Insurance Agency.
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*Any description of coverage can only be determined by the insurance contract in place and can vary by insurance carrier.