Life insurance comes in four basic flavors: Term coverage covers you for a certain period of time (10-30 years). It is the least priced premium for coverage that you can pay.  Whole Life coverage covers you for the rest of your life. However you also pay for the rest of your life (typically it is a fixed payment and not flexible or a single one-time payment.) Universal Life coverage is similar to Whole Life except you can flex the payments and benefit along the life of the policy. It is a popular plan because it fits a changing lifestyle. Index Universal Life coverage not only offers a death benefit but also allows an avenue to invest into the mutual fund market on a tax-favored basis. It is potentially volatile because the stock/bond markets are ever changing. Life insurance creates an estate from which your family and your family's family can benefit from. Some of the most wealthy families in America came from poor beginnings. Those families began with one person that saw the future. Click here if you would like a quote for Oregon life insurance. We offer help and guidance on all of these types of plans as well as annuities and can help you evaluate what type of coverage best fits your needs. Your families future is in your hands We represent over 50 companies for you to choose from. Let us help you see a bright future.

An annuity is a life insurance product that allows you to systematically accumulate tax-deferred interest on your money while you draw out a percentage of the total amount over a period of time. An annuity has a "death benefit" included which increases the value above the money you invested and the interest that you earn.  There are various types of annuities available on the market and in many cases are a much better value than bank "certificates of deposit" and other low interest earning investments. We offer almost every fixed annuity available today, along with several Index annuity product. We would be happy to explain the options in any way we can.

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