In the event of your untimely death people purchase life insurance is a financial product you purchase to protect your family. Many people purchase life insurance to provide money to cover out of pockets costs for medical, funeral expenses, replace wages, cover mortgages and to cover college expenses for their children. Life insurance allows you to sleep at night knowing your family will not be in financial ruins at the time of your death.

Having the right life insurance is a key element in planning for the future of you and your loved ones. Life insurance can help you fulfill the promises you’ve made your family when you are gone.

Do not leave the future of you and your loved ones to chance. Zinn Insurance can help you find the right coverage and help ensure that your policy continually meets your needs.

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Our proven processes is the core of our relationship with each client. This strategy ensures that each client gets the best solution for their needs and budget.

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Life Changes. So Should Your Policy.

The right life insurance will be unique to each client and depends on personal and financial needs. As life changes, your life insurance coverage should adapt to your current needs. Some life changes that may require a policy “tune-up” include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

What You Need to Know

Zinn Insurance will help you select the best life insurance coverage for your needs.
There are several different types of life insurance products available, the most common types include:

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, as long as your premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

Term Life Insurance

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.

Universal Life Insurance

Universal life is another form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

Advantages of Life Insurance

Having the right life insurance is essential to planning for your present and future. Many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living and provide assurance for your family after you are gone.

Life Insurance Death Benefit – When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits – The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for each and every one of our customers in Texas is unique. Contact the Zinn Insurance team today to find out how to protect your family and your future with the right life insurance.

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