Term Life Insurance
Death is a fact of life, without life insurance, what will happen to your family if you die unexpectedly?
Term life is a good, low-cost, high death benefit protection option. Term life insurance provides protection for a specific period of time called a term; it is most often sold in 10,15, 20 and 30 year terms, and the premium stays the same throughout the term. If the insured dies during this period, the beneficiaries receive the proceeds income tax-free.
Term is ideal for families seeking a large death benefit in the event of an untimely death. With a typical family income, needs are higher during the child bearing years. Unfortunately, when we die our debts do not, but with term life you can leave your family debt free.
We will design a term life policy that suits the needs of your family.
Whole life is a common type of permanent life insurance; with a whole life policy, your premium payments remain the same over the life of the policy.
You can choose how often you'd like to make premium payments, as well – annually, semiannually, quarterly or monthly.
If you have a family you need life insurance, it’s not a question of if, but how much?
Nunley Insurance will assess your life insurance needs and see if a whole life policy is right for you and your family.
An indexed universal life policy is designed for people ages 35 to 55 looking for a permanent death benefit.
Universal life insurance provides permanent life insurance protection and access to tax-deferred cash values.
Our associates will look at your finances and life insurance needs to see if an Indexed Universal life insurance policy is right for you and your family.
Long Term Care
Seventy percent of people over the age of 65 will need long-term care sometime in their lives. Long-term care is any personal assistance you need to maintain your quality of life as you age. There’s a common misconception that other programs will cover long term care; however, the truth is health insurance does not cover long-term care expenses. Medicare covers some long-term care costs, up to 100 days after a three day hospital stay, and Medicaid only covers long-term care expenses for people with $2000 or less in assets
Paying for long-term care out of pocket can be quite expensive and is rarely cost efficient. Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. At Nunley Insurance, we will help prepare you for the unexpected.
Long Term Disability
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for weeks, months or even years. Many doubt they will ever need long-term disability insurance, but the Social Security administration projects that one in four 20 year-olds will be unable to work before age 67 due to a disability.
Others believe that workers compensation will cover them; however, workers compensation only covers an individual if illness or disability occurs on the job.
The reality is fewer than 5% of illnesses or disabling accidents are work related.
We are committed to work with you to ensure you have the financial support to manage your disability and your household, should you become disabled.