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Life Insurance | Living Benefits | Annuities | Key Person Life Insurance

Life Insurance

Living Benefits

Annuities

Key Person Life Insurance

Life Insurance

Life insurance is the device that allows individuals and society to recover from the loss of the insured. A contractual agreement is formed between the policy owner and the insurance company. The insurance company agrees to pay the death benefit to the beneficiary upon the death of the insured in exchange for the policy owner’s premium payment to the insurance company.

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There are two types of life insurance: term and permanent.  Term life insurance generally offers up front cheaper premiums; however, the premiums may increase upon the renewal of the term life insurance policy. The term of the policy is for a specified number of years or a specific age of the insured. There is no cash value accumulation with term life insurance. Permanent life insurance is life insurance coverage for the life of the insured. Although permanent life insurance premiums are slightly higher than term life insurance premiums, there are features to the various types of permanent life insurance such as the following: cash value accumulation, fixed premiums for the life of the insured and policy, policy loans, withdrawals, flexible premium payment options, ability to pay future premiums with available cash value, flexible death benefit as the needs of the insured changes and cash value with minimum guarantees which protects the accumulation of cash value from declining with the market. Ebony is life insurance licensed and appointed and ready to work with you to discuss protecting your most valuable asset which is life. 
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Living Benefits

Life insurance is more than a death benefit payout to the beneficiary upon loss of the insured. Life insurance with accelerated benefits riders allows the insured to benefit from the life insurance policy while living. Living benefits are optional riders added to insurance policies, often times at no cost, to provide benefits to the insured while living.

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The insured qualifies for access to the death benefit while living, shall the insured be diagnosed with a qualifying terminal illness, chronic illness, critical illness or critical injury. If the insured accesses the death benefit while living due to a qualifying terminal illness, chronic illness, critical illness or critical injury this may result in a lower death benefit to the beneficiary. Access to the death benefit through the Living Benefits riders may be used for any expense. The goal is to help the insured manage financial responsibility while suffering from a qualifying terminal illness, chronic illness, critical illness or critical injury. Ebony is life insurance licensed and appointed with an insurance company that offers Living Benefits as optional accelerated benefits riders at no cost.
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Annuities

An annuity is a contractual agreement between the annuity owner and the insurance company. Annuities are typically referred to as a solution to provide a study stream of income during retirement age. A minimum lump sum is paid to the insurance company in exchange for a contractual guarantee of future payments in defined intervals. The lump sum money paid to the insurance company grows tax-deferred and also earns interest.

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Ebony is life insurance licensed and appointed with an insurance company that offers annuities. An annuity suitability must be completed to determine if an annuity is a retirement planning solution for you. There are different types of annuities with pros and cons to the various types and an annuity suitability accesses your retirement needs, source of funds and time period in which the funds will need to be liquid to determine if an annuity is right for you.
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Key Person Life Insurance

Key person life insurance, also known as key man life insurance, is a life insurance solution for businesses with key employees. A company may purchase life insurance on key employees. The company is the life insurance policy owner and the employee is the insured. The company remits the premium payments to the insurance company in exchange for the death benefit payout to the company in the event of the key employee’s death. Key person life insurance helps combat financial loss to a business in the event a key employee dies. Key person life insurance may also be designed to accumulate cash value, which the policy owner may access the cash value.

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Consider the impact of your business shall a key employee pass away, resulting in loss of knowledge, information, subject matter expertise and the cost to hire temporary or permanent help and complete on-going and new projects. Ebony is life insurance licensed and appointed with an insurance company that offers key person life insurance.
 

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I trusted Ebony to listen to my concerns and identify the right product for my needs. –E. Alondo

I chose to work with Ebony out of trust and respect.K. Craten –K. Craten

After working with Ebony, I shared with my friends how she helped me understand life insurance. –Dr. B. Price

Very pleased with her thoroughness and follow-through. –N. Jessie

Professional and truly has a genuine concern for clients; recommended to family and friends. –A. Poole

I learned so much from life insurance agent Ebony. She is thorough and has a passion to serve. She breaks down the benefits of life insurance and will help you find the policy that is right for you. -I.R. Byrd

She is loving and genuine; this is why I connected with her. She has a great passion for helping others and you do not find that in everyone. -M. Moreno

Interested in life insurance but not sure what to expect from a licensed life agent during the sales process?

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