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Life Insurance

Whole  •  Term  •  Perm/Variable  • Juvenile

What type of life insurance do I need?

Whole Life

Whole life insurance provides coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. These policies are also known as “permanent” or “traditional” life insurance.

Term Life

Term life insurance works by guaranteeing financial protection for your family over a specific term, typicall between 10 and 30 years. If you die before the term ends, your beneficiary receives a death benefit, a tax-free lump sum of money that can be used for funeral costs, to pay bills, or for any other purpose.

Perm/Variable Life

Variable life insurance, also called variable appreciable life insurance, is a type of permanent life insurance that provides lifelong coverage as well as a cash value account. Policies have higher upside potential of earning cash than other permanent life insurance policies and policy holders get to decide how to invest the cash value.

Juvenile Life

Juvenile life insurance is permanent life insurance that insures the life of a child. It is a financial planning tool that provides a tax advantaged savings vehicle with potential for a lifetime of benefits.

 

Our Providers

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Supplemental

Disability

Accident

Critical Illness

Cancer

Hospital

©2021 Dependable Benefits Advising, LLC.

Certified Benefits Advisors licensed in all US states except Hawaii. Dependable Benefits Advising, LLC is partnered with the Cape Ann Chamber of Commerce, the Massachusetts Health Connector, and Health Savings Administrator to broker insurance.

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