Howard Kaye Insurance Agency is pleased to offer expertise and guidance to optimize your life insurance. It is our privilege to help you assess your current life insurance policies, understand your financial risks and determine which life insurance options are best for you.
Many people buy life insurance and aren’t aware that the policies need to be reviewed periodically. These are mistakes that could literally cost you millions.
For example, years ago, many people bought life insurance policies that did not have guaranteed values because they were based on interest rates. Since interest rates have gone down over the years, policies last for a shorter period of time.
You need to know:
If your policy will be cancelled if you stop making payments.
If the policy is guaranteed to stay in effect for your lifetime at your current payment.
If you are able to reduce your premium outlay by maintaining the same coverage.
If your cash value and premium outlay is sufficient to buy more coverage than you have now.
If you can sell your policy for more than its cash surrender value, even if it’s term insurance.
Not only do we want to help you prevent these losses, but we want you to have the most coverage for the least amount of money. Call Howard Kaye today to learn how to restructure your existing policy in a way that you will understand, or how you may be able to optimize the death benefit for your family by exchanging your existing policy for one that meets your needs.
Guaranteed payment of life insurance proceeds are based upon the claims paying ability of the insurance carrier and making the required premium payments until the death benefit is paid.
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