Life Insurance
We Do Life
West Michigan Financial Services cares about ensuring that you, your family and your business are ready to handle anything life can throw at you. Because of that, we strive to bring you the best coverage for Life, Disability, and Long-Term Care insurance through one of our highly trained specialists. Our specialists shop the market so you don’t have to and can consult you on the best coverage for your need. Whether you are a new family looking to buy your first policy, a business owner looking to update your buy/sell agreement, or you are interested in passing along your hard earned estate to the next generation, we can help. We do Life, and look forward to working with you.
Visit EasyLife, through our Wealth Management Team Page (Look for Financial Advisors and Consultants), to run a quote and gain an understanding of the price of term insurance.
Don’t worry, we won’t ask for your contact information unless you want to talk to someone.
Do you have your life insurance needs covered?
Do you want to learn more about life insurance?
Keep reading below and contact us if we can help!
DO I NEED LIFE INSURANCE?
If you have family, or someone who depends on you financially, the answer is probably ‘yes.’ Life insurance helps protect your loved ones, no matter what. Whether the money is used to replace your income, cover funeral expenses, pay off debt, or provide for educational expenses, life insurance gives your family financial security when they need it most. Having the right life insurance is essential to planning for your present and future. Not only can it provide financial protection for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
HOW MUCH LIFE INSURANCE DO I NEED?
To get a basic idea of how much life insurance you need, use this Needs Calculator.
WHAT TYPE OF LIFE INSURANCE DO I NEED?
We can help you determine the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
Coverage for a certain period of time, to help with things like paying off a mortgage or assisting with daily expenses until your children are grown. Because it covers only a set time, such as 10 or 20 years, term is the less expensive option. Get a term quote now!
Universal LifePermanent insurance that is flexible in many ways and can fit into your financial and legacy plan. This policy accumulates cash value, has flexible payments and can cover you for your entire life.
Whole LifePermanent insurance that can help you leave a legacy or pay for final expenses. Whole life is the most expensive product, but it can build cash value and cover you for the rest of your life.
Want more information? Contact us today!
Did you know proceeds from an insurance policy are generally income tax free and if properly structured, may also be free from estate tax? This means you can leave your family with a tax-free legacy through life.
HOW CAN I PROTECT MY ESTATE OR BUSINESS, OR PROVIDE FOR MY HEIRS?
We offer access to customized solutions, and can create a tailor-made plan to meet your specific needs, and help with
- Reducing estate tax liability
- Distributing estate assets equitably
- Gifting strategies to non-profits
- Planning for heirs
We specialize in sophisticated insurance concepts and designs and possess extensive knowledge in the following markets
- Insurance Planning (including Long-Term Care and Disability Insurance)
- Wealth Transfer
- Estate Planning
- Life Settlements
- Premium Financing
- Retirement Planning
- Foreign National
- Special Risk
Business Specific
- Key Person Insurance
- COLI/BOLI
- Business Succession
- Executive Compensation
Need a consultation?
We can consult and customize the best approach for your situation. Contact us and we can get started.
Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. West Michigan Financial Services is a trade name of West Michigan Community Bank. Osaic Institutions and West Michigan Community Bank are not affiliated.
