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Life Insurance



Generally, Life insurance is a policy designed to provide financial protection for an individual. This can be done in several ways if you read below. Insurance Warehouses of America® is licensed with over 40 companies for a variety of Life Insurance Products.

Term life insurance policies provide affordable, temporary coverage. Term policies contain no cash value and are designed for death benefit protection only. The premiums may be level for the first 10, 15, 20 or 30 years, depending on the policy selected. Because the death benefit protection is for a limited period, the premium is often the lowest of all types of life insurance policies. However, after the level term period, premiums go up significantly and increase annually.

Whole life Insurance is the traditional form of permanent life insurance. It provides the certainty of level premiums, a guaranteed interest rate and a guaranteed death benefit. Whole Life provides the extra security of guaranteed protection at affordable rates, yet it includes the element of cash value accumulation.

Universal life Insurance is a flexible premium, adjustable life insurance product that provides you with the flexibility of choosing the policy features that are appropriate for you and adjusting those features as your financial priorities and needs change.

Indexed Universal Life Insurance is a version of universal life that combines death benefit protection with the opportunity to grow cash value through an account that credits interest based upon the upward movement of stock market indexes – without the risk of investing directly in the market. The Index Account features a zero percent floor which guarantees your account won't earn less than zero percent due to poor market performance.

Guaranteed Issue Life Insurance is a policy where there are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical.

College Planning

Fixed Annuities or Indexed Annuities is an annuity. Fixed annuities are insurance products which protect against the risk of outliving your income. They are insured by licensed & regulated insurance companies, much the same as your home, auto or health is insured.

There are two types of fixed annuities: traditional fixed and indexed annuities. (A third type of annuity, called a variable annuity, is not discussed here since it is not a type of fixed product.)

Some traditional fixed annuities offer multiple years guaranteed at the same rate, while others will leave the insurance company with the ability to adjust the rate annually. This rate can never be less than the minimum guaranteed rate stated in the policy.

Fixed annuities are a very conservative safe money place for retirement dollars. Fixed annuity interest rates are generated from a portfolio of US treasuries or other low risk, fixed income instruments. Indexed annuities are a type of fixed annuity which are regulated and distributed in the same manner as fixed annuities (through licensed insurance agents).

Indexed annuities are a conservative safe money place for retirement dollars. Indexed annuities usually provide a purchaser with various options for interest crediting. A buyer does have an option to elect a declared interest rate, which generally allows an allocation of anywhere from 0-100% of the account value, and functions the same as a traditional fixed annuity. However, the annuity is designed for higher potential interest rates, and provides other allocation options which consider the performance of an outside stock index (such as the Standard and Poor's 500, a.k.a. S&P 500) to determine the rate of interest. These options pay interest at a rate determined by a formula which considers any increase in the outside index, often subject to a “participation rate”, and/or “cap, and/or "spread".

All indexed annuities have a floor of zero, 'iymr Dmeaning the absolute worst case scenario due to a downturn in the market index is a consumer might receive no interest in a particular year, however, he or she cannot lose any previously credited interest or premiums. A “participation rate” is a set percentage multiplied by any percentage increase in the outside index.

For instance, if a particular index crediting method offers a 50% participation rate, and the calculated return was 10% for the year, the policy would earn a rate of 5% (10% calculated return x 50% participation = 5% return). A "cap" is a set maximum percentage based on the performance of the outside index. For instance, if a particular index crediting method offers a 6% cap, and the calculated return was 10% for the year, the policy would earn a rate of 6%. A "spread" is a percentage of reduction between the calculated return and the interest rate the consumer will be credit with. For instance, if a particular index crediting method offers a 4% spread, and the calculated return was 10% for the year, the policy would earn a rate of 6% (10% calculated return - 4% spread = 6% return). All participation rates, caps and spreads are set by the insurance company at the beginning of a policy. Unless guaranteed in the policy, the insurance company has the ability to adjust them on an annual basis. Participation rates, caps and spreads are known as "moving parts". Most annuities being issued today have only one moving part in determining an index calculation (i.e. only a cap or only a participation rate), however, it is possible to have multiple moving parts in determining an index calculation (i.e. a cap combined with a participation rate). An annuity with multiple moving parts is not necessarily better or worse than an annuity with only one moving part, and there is no way of determining in advance of a policy year whether a participation rate, cap and/or spread will yield the best performance.

Accidental Death Life Insurance

Accidental Death Life Insurance is a limited life insurance designed to cover the insured should they die due to an accident. Accidents include anything from an injury and upwards, but do not typically cover deaths resulting from health problems or suicide. Because they only cover accidents, these policies are much less expensive than other life insurance policies.

It is also very commonly offered as accidental death and dismemberment insurance (AD&D) policy. In an AD&D policy, benefits are available not only for accidental death, but also for the loss of limbs or bodily functions, such as sight and hearing.

ccidental death and AD&D policies very rarely pay a benefit, either because the cause of death is not covered by the policy, or the coverage is not maintained after the accident until death occurs. To be aware of what coverage they have, an insured should always review their policy for what it covers and what it excludes. Often, it does not cover an insured who puts themselves at risk in activities such as parachuting, flying, professional sports or involvement in a war (military or not).

Accidental death benefits can also be added to a standard life insurance policy as a rider. If this rider is purchased, the policy will generally pay double the face amount if the insured dies due to an accident. This used to be commonly referred to as a double indemnity policy. In some cases, insurers may even offer triple indemnity cover.

Term Life Insurance

For many, Term Life Insurance is the most affordable type of life insurance available since it only covers the insured individual(s) for a specific time period. Term Life Insurance is a great starting point for anyone on a budget or if you are just starting a family on your own. When purchasing a Term Life Insurance Policy, you will have the opportunity to choose from different benefits that match your specific needs and personal goals. Additionally, the price for your policy may vary based on different factor; for example your age, the length of the policy that you wish you proceed with, if you smoke or suffer from specific health problems.

Universal Life Insurance

A Universal Life Insurance Policy gives you with the opportunity to provide security for your loved ones. It helps towards death benefits and it also has a cash value that can help meet your future financial needs/goals. Unlike Term Life Insurance, this type of insurance will stay with you for the rest of your life, it allows you to adjust death benefits meaning you can increase or decrease the death benefit, and it provides flexible premium so you can choose from different methods of payment for your premium.

Whole Life Insurance

A Whole Life Insurance is the perfect vehicle for those who are looking to protect their loved ones and also looking forward to build a savings plan in their future. It can be used to grow your savings and an investment tool while it provides the regular death benefits to your beneficiaries. Another great benefit is that it stays with you for as long as you live, and it has a cash value that accumulates and grows over the life of the policy. Unlike Universal Life Insurance, it also has a guaranteed rate.

Disability Insurance

Often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).


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