Houston Life Insurance
No one ever plans to have an accident or succumb to a medical condition. Fortunately, with good health habits, we can look forward to a long life expectancy. Choosing the right life insurance is an important and responsible investment that ensures the wellbeing of our dependents and the appropriate dispersal of our assets when it is most needed. Uptown Life And Annuities PLLC provides individuals and families in Houston with access to a wide range of carriers that help them choose among the best options to meet specific financial goals.
The Risk of Remaining Unprotected
Studies indicate that a high percentage of Americans admit to not having adequate life insurance coverage and that their dependents would suffer financially as a result of their death. The quickest route to peace of mind is to prepare for the unexpected with the right type of life insurance. Uptown Life And Annuities PLLC experts help you choose the policy that will pay for your final expenses and financially protect your family and loved ones according to your wishes.
We Are Never Too Young For Financial Protection
Many Individuals and young families do not consider life insurance a necessity yet are burdened with loss and debt if the unexpected happens. Evaluate the risks according to your particular concerns and inquire about affordable life insurance rates available in Houston.
Consult with a Uptown Life And Annuities PLLC insurance agent in Houston to learn more about different types of coverage that include:
Term Life Insurance
ensures your family can pay off debts such as your mortgage, extra financial protection for your children, including education costs.
Our knowledgeable Uptown Life And Annuities PLLC specialists provide practical information about permanent life insurance that includes whole life and universal life. Coverage can be designed to protect you the event of a critical illness and require long term care.
Take the first step, get a quote
Taking your first steps on the path to becoming insured can seem a bit overwhelming when you decide to start. This is understandable as there are many different possible options and many different providers. We make the process simple, by asking the right questions and providing you with quotes for different options you will be able to get a handle on how to obtain the right life insurance for you.
Universal Life Insurance-
Offers permanent protection with an added opportunity for tax sheltered investment.
The most cost effective choice, rates and coverage are guaranteed and renewed depending on the term (10 years, 20 years). Uptown Life And Annuities PLLC experts can designate options that allow for conversion to Whole Life or Universal Life.
An excellent choice for those who require lifetime protection, this coverage may offer cash values and includes guaranteed level premiums and death benefits.
What is Indexed Universal Life?
What if you could get the flexibility of adjustable premiums and face value, and an opportunity to increase cash value; What if you could get this without the inherent downside risk of investing in the equities market? It's your lucky day: All of this is possible with an indexed universal life insurance policy.
Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100etc IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in the stock market.
How Does It Work?
When a premium is paid, a portion pays for annual renewable term insurance based on the life of the insured. Any fees are paid, and the rest is added to the cash value. The total amount of cash value is credited with interest based on increases in an equity index (but it is NOT directly invested in the stock market). Some policies allow the policyholder to select multiple indexes. IULs usually offer a guaranteed minimum fixed interest rate and a choice of indexes. Policyholders can decide the percentage allocated to the fixed and indexed accounts.