Individual Life Insurance

Life insurance is protection against all eventualities. It means that were the worst ever to come to fruition, your loved ones would be in a position to carry on. It gives them the security and peace of mind to know that they can take care of the necessary expenses that are incurred after your passing, whether that proves to be the outstanding mortgage, debts, or simply funeral costs. But if you want to do this best, without exposing your current finances, you may wish to explore our individual life insurance policies. Unlike regular life insurance policies, these are limited to one person and cover them in a much more specific way. This translates to numerous benefits and typically much lower costs. So, if you think that an individual life insurance policy would help you and your family manage the future with greater confidence, give us a call today, at Cary Financial Planners.

Why Elect Individual Life Insurance?

Individual life insurance primarily helps you save significant sums of money, by offering more relative terms to each individual. For example, a lower earner can insure themselves for a much more affordable rate, helping countless people access more effective insurance policies within the limits of their budget. Moreover, this allows you a greater ability to plan for future coverage within your family, to cover the typical contribution of the higher earner. At the same time, it means you avoid policy changes or disputes following the first death of a policyholder, naturally avoiding complications and costs further down the line. 

Whole Life Insurance 

So, if you think an individual life insurance policy is for you, you should take a closer look at our whole life insurance policies. Whole life insurance policies are guaranteed ways to accumulate a life insurance account, offering level terms throughout the duration. They also allow unique opportunities to access loans and capital before the time of death, making them often more viable for the average individual or family. 

Universal Life Insurance 

On the other hand, if you are looking for a more flexible kind of individual life insurance policy, we would recommend you our universal coverage plans. Universal policies accumulate value and interest using flexible premiums, giving you the chance to change and update them as you feel is necessary. This could be more beneficial to you depending on your current health or age situation, which could cater nicely to your needs for an individual plan. Of course, all you need to do is discuss these concerns with our team and we will ensure you are provided the best-suited one. 

Affordable Rates 

Above all else, the reason you should choose to trust in our individual life insurance policies is that we can offer them to you for much more favorable rates of pricing than any other regional provider. We offer real, quality coverage to our clients, for prices that they can afford. So, if your chief concern is maximizing the potential of your life insurance investment, our services will definitely be the ones for you.