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Life Insurance
What is Life Insurance?
When you hear the word life insurance, what comes to mind? Negativity, high commissions and sometimes even fear. Oftentimes, people think life insurance is an unnecessary expense and so they shy away from investing any of their money into it. But in fact, life insurance can be an investment and a versatile financial tool that can help individuals build financial wellness now and well into the future.
In fact, life insurance can actually help create another source of retirement income that most people would never even consider.
By changing the perspective and viewing life insurance as an investment, it’s much easier to see the benefits and not fall victim to any preconceived notions.
Term VS Whole Life
One important thing for consumers to understand is that not all insurance policies are created equally. Each individual policy has unique terms, rates and quotes that need to be fully explored. There are also several types of life insurance for consumers to purchase, and there are two main type of life insurance that are important for consumers to properly understand:
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Term Life Insurance – Designed to cover you for a predetermined amount of time – typically 10, 20 or 30 years. Term insurance is typically purchased to cover a specific period of time and is not a solution for long term life insurance planning.
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Permanent Insurance - Designed to offer coverage for your entire lifetime. Typically associated with higher premiums in the early years, some permanent insurance plans have flexible and adjustable premiums that give the owner access to the cash value of the life insurance plan. The different type of permanent life insurance plans are whole life, variable life, universal life and index universal life.
When you partner with PRO Financial Network, we take the guesswork out of finding the right life insurance policy. We listen to your concerns, questions and most importantly, your needs. And we help you create a customized plan for your future that is in line with your financial goals.
Always Ready
Life Insurance Resources
Questions?
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Frequently Asked
Life Insurance Questions
Many have questions when it comes to insurance, especially life insurance. We've compiled answers to the most common questions we've received over the past 19 years of business.
Wherever you're Going, We can help get you there
Choose the date, time, and style of meeting. Whether that be a 15 minute phone call or an hour in our office
- Or call (440) 871-3067
What You
Can Expect
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Experience
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Personalized Advice
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Dedication
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Education
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Fiduciary Responsibility
FAQ
What is PRO Financial Network
PRO Financial Network is an Independant full-service financial firm based out of Westlake Ohio, comitted to helping its clients pursue their financial goals.
How much does a complementary consultation cost
There's no cost to schedule a complementary consultation.
What can PRO Financial Network help me with?
We serve families, individuals, retirees, physicians, businesses and business owners in all areas of financial management. These include retirement planning, tax management, insurance planning, estate planning, risk management, education funding, investment planning, and employee & executive benefits.
What can I expect from a complementary Consultation?
This is a great opportunity for you and Cheif Advisor Michael Romanello to get to know each other. You'll be free to ask questions over a phone call, Zoom call, or in-office meeting.
Life Insurance Blog
Read life insurance posts from out financial blog to expand your knowledge and to help you make an informed life insurance decision.
