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Life Insurance
and Estate Planning go hand and hand, which is a major focus for Kelley Insurance & Financial. There are many reasons to have personal life insurance coverage. The most basic personal needs for life insurance are mortgage and debt cancellation, children's education, income replacement, family maintenance and support. However, there are many other needs for life insurance such as Estate Planning, Wealth Transfer strategies, Charitable Giving etc. There can also be special needs to provide for, such as having a handicapped child or other relative. Whatever the need is 'Life Insurance' is like no other financial instrument.
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| There is no other financial arrangement available where you can create wealth that you otherwise have not had time to accumulate. After acceptance by the company and the payment of the first premium, the people depending on you have the security in place you would want them to have should you no longer be there for them. Life insurance proceeds are also generally received income tax free by the beneficiary. In addition, proceeds that can be paid directly to your beneficiary at death are generally free from Probate, which saves your family time, hassle and expense. But maybe even more importantly, when life insurance proceeds are paid directly to a stated beneficiary OUTSIDE of the Probate Estate, proceeds are NOT subject to creditors, as other assets in the Probate Estate are. Which GUARANTEES your beneficiary(s) will have the proceeds you intended them to have. |
| Visit our needs calculator to determine the appropriate amount of life insurance for you and your family. If you are not familiar with life insurance terms, please visit our life insurance terms definitions to familiarize yourself with these terms. Then shop for this valuable coverage from the industries most competitive and respected Term Life insurance carriers using our free real-time term life quote engine. Visit the business insurance sections of this web site to learn about life insurance for business risk management and executive compensation. |
| Although Life Insurance proceeds are normally not subject to income taxation, proceeds can be subject to Estate Taxes depending on the way ownership of the policy is set up. Own your life insurance the smart way, leave it to your family not the government! Click here to find out how. |
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Types of Insurance
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| Kelley Insurance & Financial is the premier source for all your life insurance needs. We have close to 25 years of experience as independent brokers working for our clients, not insurance companies. We have relationships with over 50 of the most competitive life insurance carriers in the industry, to be certain you get the best deal possible on your insurance. We also specialize in Impaired Risk underwriting. We realize not everyone is a Preferred Risk and we will take the time to shop your avocation or health impairment, which our 'dot com' competitors will never do! Call our office today for a quote, or use one of our quote request forms located in the left toolbar. |
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