Life Insurance

As technology has evolved, life insurance has become increasingly complex.  Policies are available in many different types, and some even include options for investing a portion of your policy dollars into the stock market.

Many would-be buyers of life insurance are hesitant to take advice from product-driven, door-to-door salespeople and don’t know where to turn for answers and solutions.

R.M. Beasley & Associates represents many different life insurance carriers, so we can help you choose a policy that best meets your needs from many of the most-trusted names in the industry.

We help our clients understand the following types of life insurance as well as decide on a carrier and other features to best meet their needs and goals:

• Term Life Insurance – Affordable, simplified insurance for a specific time period.
• Whole Life Insurance – Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth.
• Universal Life Insurance – Permanent insurance, with flexibility to change payments, premiums and death benefit options.
• Variable Universal Life Insurance – Permanent insurance, with flexibility to change payments, premiums and death benefit. This insurance also allows you the option to take investment risks in return for a potentially higher cash value.
• Survivorship Life Insurance – Permanent insurance for two people, which provides a benefit to beneficiaries after the second person passes away.

To get started: