Life insurance can help provide for the people who depend on your clients financially; in the event of our clients passing, it can cover their loved ones with a tax-free death benefit. The money can be used for many different needs including expenses, replacing lost income, covering debts, paying a mortgage, and funding a child's education.
Many people find that combining both types of life insurance can help them meet both immediate needs and long-term goals.
Star Captial offers several types of insurance products such as:
|
Product |
Description |
|
Guaranteed Issue |
A policy is offered to any eligible applicant without regard to health status. |
|
Simplified Issue |
Refers to any easy-to-obtain form of life insurance. A policy can be garnered without many questions and usually without a medical exam. |
|
Traditional Term |
Offers simple, affordable coverage for a set period of time, typically 10 to 30 years. |
|
Cash Back Return of Premium Term |
A term life insurance policy in which all the premiums paid to the insurance company are returned to the policy owner at the end of the term. |
|
Universal Life |
A type of permanent life insurance, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. |
|
Indexed Universal Life |
Offers growth potential through the ability to earn indexed interest credits linked to the performance of the Standard & Poor’s 500. Composite Stock Price Index, or S&P 500, with protection from downside. |
|
Valuable Universal Life |
Builds a cash value. The cash value can be invested in a wide variety of separate accounts, similar to mutual funds. |
|
Buy Sell Agreements |
Is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business. |
|
Key Person Insurance |
A standard life insurance policy that is used for business succession or business protection purposes. |
|
Grandparent Gifting |
You can give life insurance as a gift your children or grandchildren for birthdays, graduations, weddings, and all of life’s big moments. |
|
Final Expense Insurance |
Policy that’s designed to pay benefits to cover the cost of your funeral and associated expense. |
|
Estate Planning Solutions |
The collection of preparation tasks that serve to manage an individual’s asset base in the event of their death. |
|
Whole Life Insurance |
Permanent insurance, with flexibility to change payments, premiums, and death benefit options. |
|
Universal Life Insurance |
Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth. |
|
Indexed Universal Life Insurance |
Permanent insurance with returns linked to the stock market. |