Life Insurance

Protecting Your Family and Future

You need a life insurance policy if you have people who rely on your income. Plain and simple. Still, the many options can complicate the buying process, and it helps to have a licensed expert on your side!

Cruse Insurance Solutions can help you choose the type of policy, coverage amount, and company that makes sense for you and your family.

Term Life Insurance

Term life insurance is a type of life insurance that provides a stated death benefit if the covered person dies during a specified term (typically 10, 15, 20 or 30 year term). Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate. Term insurance can be purchased in large amounts for a lower premium. It is best suited for short-range goals, such as to cover loans, mortgages or income replacement during child-raising years.

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Whole Life Insurance

Whole life insurance provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.

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Universal Life (UL) Insurance

Universal life (UL) insurance is permanent life insurance (lasting the lifetime of the insured) that has an investment savings element and low premiums similar to those of term life insurance. Most UL insurance policies contain a flexible-premium option. but some require a single premium (single lump-sum premium) or fixed premiums (scheduled fixed premiums).Three forms of universal life are: Fixed Universal Life, Indexed Universal Life and Single Premium Life.

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Final Expense & Guarantee Issue Life

Final expense insurance is a whole life insurance policy that has a small death benefit and is easier to get approved. Final expense insurance is also called “funeral insurance,” “burial insurance,” “simplified issue whole life insurance,” or “modified whole life insurance.” These are small whole life policies with a face value (death benefit) of $2,000 to $50,000. Expenses associated with death, such as caskets, embalming, transportation and services, can have a substantial financial impact on those they love. These policies can help protect loved ones from having to pay these costs out of pocket.  

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Call Today for Your Quote

Don’t shop for life insurance alone. Instead, let our team help you navigate the marketplace to find the right coverage for your particular needs.
To get your free quote from Cruse Insurance Solutions, call 859-785-8296.

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Cruse Insurance Solutions | 2008 Fontaine Road #A, Lexington, KY 40502
Phone: (859) 785-8296 | Email: [email protected]
NPN ID : 1890671

DISCLAIMER

We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

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