Life

Life Insurance

Start Planning Today with a Life Insurance Policy

Life Insurance Coverage

Term Life
Whole Life
Disability
Universal Life

Individual Life
Fixed Annuities
Mortgage Protection
Final Expense
And More

Individual Life Insurance

Insurance Planning & Management can secure your financial future with a variety of life insurance policies.

Call us at (618) 243-5297 to choose a policy that’s right for you.

Term Life

Term life insurance policies provide coverage for a specific time period. It is usually somewhere between 5 to 20 years, but there are some carriers who offer a 30-year plan. Term Life insurance will only protect your dependents in the event of death during the time period chosen. This is generally a cheaper option designed to provide maximum coverage for your dependents.

Give us a call at (618) 243-5297 for more information.

Universal Life

Universal life insurance is an extremely flexible life insurance policy. Policyholders can choose the amount they want to pay and the frequency in which they pay. Payments consist of a premium payment and some additional funds intended to overfund the policy and build a cash value, which will gain interest. You can even have the opportunity to borrow from the policy.

Give us a call at (618) 243-5297 today.

Whole Life

Whole life insurance plans are exactly what they sound like, a life insurance policy that will cover the length of your whole life from beginning of the policy until your death. With a whole life insurance policy, your premiums will also remain the same. Whole life policies will build cash value that you can borrow from, unlike term life insurance which is only payable upon death.

Give us a call today at (618) 243-5297.

Disability Insurance

Individual disability income insurance is an important option for all business owners. If your employer’s group disability plan doesn’t cover what you need, a personal disability policy is available for purchase to supplement your employer’s offered plan.

In order to cover yourself or your employers for missing work due to a disability that was caused by an accident at work, call Insurance Planning & Management for policy options today.

Types of Disability Insurance

Long Term
Short Term
Mortgage Disability
Supplemental Disability
Social Security Disability
And More

Final Expense Insurance

Final expense insurance provides a caring way to ensure your loved ones aren’t shouldered with the burden of funeral costs in the event of your death. A funeral service, casket, plot, and the many other funeral costs can quickly accrue to $10,000 and often even higher. This type of insurance policy is commonly used as an alternative to life insurance because the premiums don’t increase, it is more affordable, and your family can generally receive the funds within 24 to 48 hours after your death.

Call our experts at (618) 243-5297 to plan for your final expenses.