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Types of Life Insurance - Permanent & Term Life Insurance Bossier City LA

Permanent life insurance provides you with a saving's account coupled with a life insurance policy, in most cases. Premiums tend to be higher in part because many of these policies will develop a 'cash value' over time. Now, if you really want to save money you are generally better off with a savings account.

David Bryan Romero (RFC®), CHFC
(318) 795-0660
8848 Youree Drive
Shreveport, LA
Company
Executive Financial Group
Qualifications
Education: Business Background
Years of Experience: 23
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. John E. Worrel (RFC®), LUTCF
(504) 831-4494
3200 Ridgelake Drive, Suite 215
Metairie, LA
Company
Acacia Financial Group, LLC
Qualifications
Years of Experience: 15
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Asset Protection, BuySell

Data Provided by:
William M. Stewart (RFC®), CSA, LUTCF
(985) 809-0530
6 Ivy Lane
Covington, LA
Company
WMS Group
Qualifications
Years of Experience: 22
Membership
IARFC, NAPFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Business Coach, Education Plan, Healthcare Accounts, BuySell, Compensation Plans

Data Provided by:
Mark Holmes
4609 bluebonnet blvd. suite A
baton rouge, LA
Service
Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Successi

Data Provided by:
Oscar Lee Nugent (RFC®), MBA
(985) 649-1930
659 Old Spanish Trail
Slidell, LA
Company
Wealth Management & Planning Group
Qualifications
Education: MBA, AXA Advisors financial planning certification.
Years of Experience: 25
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
New York Life Insurance
(318) 227-5013
401 Edwards St Ste 1700
Shreveport, LA
 
Michael C. Echols (RFC®), MBA
(318) 366-7370
1800 Riverside Dr
Monroe, LA
Company
Money Concepts
Qualifications
Education: BS, MBA
Years of Experience: 14
Membership
IARFC
Services
Invoice, Business Planning, Portfolio Management, Executive Compensation Planning, personal Coach, Retirement Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Business Coach, Asset Protection

Data Provided by:
Sammy J. Grezaffi (RFC®), CLU
(225) 638-3348
1101 1/2 Hospital Rd
New Roads, LA
Company
Grezaffi Financial Services LLC
Qualifications
Education: BS
Years of Experience: 40
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Mr. Adam K. Veron (RFC®), MSFS
(337) 494-3836
1304 Enterprise Blvd.
Lake Charles, LA
Company
Asset Planning & Consulting, LLC
Qualifications
Education: Masters Degree in Financial ServocesSeries 6,7,63,65Louisiana Civil Law NotaryLife and Health insuranceProperty casualty ins. licenseCertified Mutual Fund SpecialistBoard Certified in Estate PlanningCertified Annuity SpecialistBoard Cert
Years of Experience: 14
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Healthcare Accounts, Charitable Foundations, Asset Protectio

Data Provided by:
Mr. Mark K. Mauer (RFC®), LUTCF
(985) 626-6969
1228 Florida Street
Mandeville, LA
Company
Mauer Financial Group, LLC
Qualifications
Education: BA
Years of Experience: 26
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mutual Funds, CommOptions, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Education Plan, Healthcare Accounts, Charitable Foundations, Asset Protection, LiabCover

Data Provided by:
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Types of Life Insurance - Permanent & Term Life Insurance

Provided By: 

Types Of Life Insurance

Life insurance gives you some options

In most cases, term life insurance is your best buy. This is because your need for life insurance actually decreases over time - when your mortgage is paid off, when the kids are already through college and on their own or when you are into your retirement years.

Permanent life insurance provides you with a saving's account coupled with a life insurance policy, in most cases. Premiums tend to be higher in part because many of these policies will develop a 'cash value' over time. Now, if you really want to save money you are generally better off with a savings account. However, for some people, the need to 'liquidate' a life insurance policy in order to get the cash helps to protect these savings.

Think carefully. You'll pay a higher amount for the life insurance at the same time that you are getting the 'cash value' on the policy. Because it does develop a cash value, you are in fact increasing the risk to the life insurance company. Therefore, it's going to cost you more.

For more information regarding life insurance check out the following pages: Life Insurance , Why do I need life insurance , How do I decide what I need , What types of life insure can I get , Permanent life insurance , Whole life insurance , Universal life insurance , Term life insurance , Other types of life insurance and don't forget to check out the How can I reduce life insurance costs page.

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