Whole Life

Whole life is the simplest form of permanent life insurance and is a good option for those with long-range insurance and financial goals. It features lifelong protection with fixed premiums, a guaranteed death benefit payout and cash value that is guaranteed to grow each year. Whole life protects you for your entire life unless you cancel the policy.

Universal Life

Universal life insurance is a form of permanent life insurance and a great option to help your family prepare for the unexpected. It can provide affordable guaranteed protection and a flexible premium. As premiums are paid, you can build your policy’s cash value which grows tax-deferred until you need it. You can choose to pay a lower premium and focus more on guaranteed protection that can last a lifetime.

 

Whole Life

Universal Life

 

  • Premiums are not subject to change, so if your financial situation changes and you can no longer pay the premium, you may be faced with unpleasant choices of using your cash value to pay for the insurance or surrendering the policy.
  • Monthly bill and unwavering death benefit.
  • The premium levels nor the death benefit are not set in stone. You are allowed to pay premiums for as much and as often as you choose.
  • More flexibility by managing premium payments.
Testimonial

"Yesterday, Sindi completed the new policies for our 3 properties and two automobiles. We appreciate being able to have all the coverage with one company and it helps to have the umbrella coverage on all the properties as well as the automobiles. Sindi completed everything in a timely manner and the work was done as promised; despite it being her first day back from vacation. I found her to be knowledgeable, willing to follow up on specific questions and able to quickly get additional detail information and willing to make minor adjustments. Overall, I found her to be a very competent insurance professional and a very pleasant person to work with. I wouldn’t hesitate to recommend the Neckerman Agency and Sindi in particular to my friends and business associates. Thanks to you as well for recruiting, selecting and retaining competent staff."

- David G.