Being someone your family depends on, whether you are a working professional and/or parent, or a stay-at-home parent, you strive to contribute 100% to your family’s well being and growth. You provide an ease of mind to those around you when you put effort into providing a loving, safe, stable and encouraging environment.
To stop and think, it would be
equally comforting to know you can depend on Life Insurance should you not be around to ensure your family’s needs. With Life Insurance, you can secure your family’s future by obtaining a policy which may help cover home mortgage and other debt, taxes, college education and your family’s standard of living. Calview is dedicated to making your experience as comfortable as possible by listening and understanding your priorities and values in life. We will work with your preferences in securing a Life Insurance policy that is most suitable for you and your family. There are a number of services you can decide from upon purchasing your Life Insurance policy.
Term Life Insurance
- Provides coverage for a specific period of time, whether 10, 15, 20 or 30 years, and is the simplest form of protection. Premium payment is on a month-to-month, or annual basis, and serves to protect life of the term you choose.
- Also available is Mortgage Protection, which provides a death benefit that can be used to assist in paying off your mortgage.
Whole Life Insurance
- Also known as Permanent Insurance, provides coverage for your lifetime, and may be at a higher premium payment than term insurance. However, Whole Life policies allow the accumulation of cash value on a tax-deferred basis, which then can be accessed at your discretion.
Universal Life Insurance
- Premiums are paid into your policy’s account value (after a premium expense charge), where it earns interest. Everyone month, various deductions, such as charges for insurance protection, are made from the account value. You are given the ability to take loans or make withdrawals from the account value for your personal needs. Loans, however, accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various monthly deductions.