Taking steps to protect and preserve your LEGACY
We believe life insurance is the foundation of any solid financial plan. Because life insurance will provide financial protection for your family in the event of an untimely death, can you imagine your family’s financial challenges if you or your spouse were no longer there to support them?
The right amount of life insurance coverage can help you meet day-to-day expenses and retain a degree of normalcy, even in the face of tragedy. We can also help you select the right life insurance policy that provides protection and the ability to accumulate cash value for long-term goals like retirement or your children’s education.
Life insurance comes in two types: term and permanent. By paying premiums, you ensure that your loved ones and beneficiaries will receive the death benefit proceeds from the policy tax-free if you pass away. Term insurance covers a specific period, while permanent insurance lasts for life, provided that the premiums are paid.
If there are people who rely on you financially, or you want to ensure that your loved ones are not left with burial costs or debt, it would be wise to consider life insurance. Term insurance can be an attractive and affordable option to safeguard your family when you get married or start a family.
Term life provides you affordable, convenient coverage for a certain amount of time; for example, 5, 10, 20, and 30, and you pay your premiums during the term and sometimes can be converted to a permanent policy. Could you talk to us today for a personalized insurance needs analysis?
With whole life insurance, you’re guaranteed a death benefit and can build cash value over time. Your cash value grows tax-deferred, so it’s there when needed. In addition, you can earn dividends, which are not guaranteed.
Much like whole life, universal life insurance has the potential to build cash value with the additional benefit of flexible premiums. This means if you ever need to lower the cost of your premiums for a specific period, you may be able to
If you want to control how your premiums are invested, then variable universal life insurance may be an option. Like universal life, variable universal life insurance has flexible premiums and the potential to build account value with the bonus of investment options.
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Investment advisory and fee-based financial planning services are offered through LFG Wealth Management, LLC, a State (FL) registered Investment Advisory Firm. 7971 Riviera Blvd Suite 326, Miramar, FL 33023 (954)526-5240. Additional information about LFG is also available via the SEC’s website: http://www.adviserinfo.sec.gov.You can search this site using a unique identifying number, a CRD number. The CRD number for LFG is 171123.
LFG Wealth Management, LLC offers access to securities through Altruist Financial LLC, a self-clearing broker-dealer. Member FINRA/SIPC. Check the background of Altruist Financial LLC on FINRA’s Broker Check. Shareholders Service Group, Inc. (“SSG”) is also a member of FINRA/SIPC with clearing and custody provided by Pershing LLC, Member SIPC. LFG Wealth Management, LLC’s clients establish brokerage accounts through Altruist. LFG Wealth Management, LLC maintains an institutional relationship with Altruist whereby Altruist provides certain benefits to LFG Wealth Management, LLC, including a fully digital account opening process, a variety of available investments, and integration with software tools that can benefit LFG Wealth Management, LLC, and its clients.
Insurance products are offered through Louis Financial Group, LLC, and Louis Insurance Agency, Inc, licensed insurance agencies registered in Florida. Tax and Accounting Services are offered through LFG Accounting Services, LLC. LFG Wealth Management, LLC, LFG Accounting Services, LLC, Louis Financial Group, LLC, and Louis Insurance Agency, Inc are not affiliates or subsidiaries of Shareholder Service Group, Inc, Altruist LLC, and Altruist Financial LLC.