Term life insurance policy and coverage

Unlike whole life insurance policies, term life insurance policies provide life insurance coverage for a specific period of time. Term life insurance policy provides life insurance coverage for a period that is limited when compared to whole life insurance and universal insurance policies.

 

It provides this coverage at a fixed rate of premium payment which will guarantee life insurance cover for the insured for that period that the policy covers.

 

Within that period, death benefit which involves a lump sum is paid to the beneficiary of the insured in the event of death.

Need a reason to choose this policy?

Term life insurance policy is a flexible plan that gives you many options as discussed above. You can choose the time frame for your term life insurance policy.

If you have a young family, this policy can also be appealing to you because of its short term considerations. Also, it is more affordable compared to other insurance policies.

Contact ESI to get his term life insurance policy.

ES Insurance

It Is Non-Taxable

Our Term Life Insurance premiums are not taxable so that will keep accruing the more your pay your premiums. This ensures the safety and financial security of your insurance and it is the best guarantee that your beneficiaries will get a lump sum in the event of death. The lump sum of the death benefit to be paid to your dependents is tax-free.

Cash Withdrawal

The Term life insurance policy can allow a cash withdrawal based on your policy limit. The more you pay your premium the more your cash value builds up. One thing you should know about whole life insurance is that it has some benefit for you while alive. You can access a portion for your cash value within your policy limit to help you meet certain needs.

you get dividends

Owners of Term life insurance policies get dividends on their premiums. The dividend is accessible and can be reinvested in other insurance policies to ensure a holistic cover. Dividends are among the benefits of the whole life insurance policy.

you can use it for Collateral purposes

Your Term life insurance policy buildup cash value so it can be collateral for loans. This gives some financial flexibility to your life insurance policy.

Contact ESI to get this whole life insurance policy and enjoy the benefits attached to it for you and your dependents.

 

Happy Long Life
ES Insurance
Universal life insurance

Universal life insurance policy like all other life insurance policies provides a lump sum as compensation to the beneficiary of an insured person when they are no more. It is unique for having a special cash value package. 

This involves the splitting of your premium into two parts designed to make you enjoy some value while alive and still have death benefit paid to your beneficiary when you are no more.

It meets your demand for a more flexible life insurance policy.

Life Insurance for you

Flexible Life Insurance

As a flexible insurance policy, universal life insurance policy and coverage enable you to choose your payment terms. You can decide how much premium you will pay within a given period.

Savings and investments

Another unique aspect of this universal life insurance policy is that there is room for savings and investment which will be accessible to you during your lifetime. It will be paid along with interest accrued on your savings. This cash value policy is a major feature of permanent life insurance policies like universal life insurance.

Life insurance is always worth it. You can get the right life insurance policy with ESI. Contact ESI and let our professionals guide you to make the right life.

Life insurance is always worth it. You can get the right insurance policy with ESi. Contact ESi and let our professionals guide you to make the right life insurance choice.

Universal Life Insurance

Universal life insurance policy like all other life insurance policies provides a lump sum as compensation to the beneficiary of an insured person, especially when they are no more. It is unique for having a special cash value package.

Commercial Umbrella Insurance

Commercial Umbrella Insurance policy compensates your company in case of loss. Large firms, farms, and ranches can take advantage of this policy to advertise any possibility of liabilities not covered by their policy.

Workers Compensation Benefits

This policy ensure that the firm doesn’t have to bear the financial burden for work related injuries to employees. Some of the benefits provided by this policy include disability, medical, rehabilitation, and death.

Whole Life Insurance

Whole Life Insurance policy like all other life insurance policies provides a lump sum as compensation to the beneficiary of an insured persons throughout their lifetime.

Personal Umbrella Insurance

This policy makes provision for the excesses that other forms of liability insurance do not cover. It does not provide coverage for the property of the insured but for damages to someone’s property to them that are not covered.

Workers Compensation Insurance

This workers compensation insurance policy is widely known as (workers’ comp). It is an insurance policy that compensates workers in the event of injuries incurred or accidents while working.

Request A Quote

Call Now Button