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Types of Life Insurance - Permanent & Term Life Insurance Jacksonville NC

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.

Mr. Richard L. Pugh (RFC®), CFP, MBA
(910) 455-6400
824 Gum Branch Rd., Suite I
Jacksonville, NC
Company
Pugh & Associates Inc.
Qualifications
Education: MA Business Administration
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Thomas G. Komara (RFC®), CHFC, CLU
(828) 393-0215
101-B Chadqick Square Ct
Hendersonville, NC
Company
Komara Financial Concepts
Qualifications
Education: BA Gannon University
Years of Experience: 31
Membership
IARFC, SFSP, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Charles E. Potter (RFC®), CHFC, CLU
(919) 383-7421
1816 Front Street #220
Durham, NC
Company
The Potter Financial Group
Qualifications
Education: BS in Marketing
Membership
IARFC, FPA, AALU
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Healthcare Accounts, BuySell, Compensation Plans

Data Provided by:
Mr. Richard L. Pugh (RFC®), CFP, MBA
(910) 455-6400
824 Gum Branch Rd., Suite I
Jacksonville, NC
Company
Pugh & Associates Inc.
Qualifications
Education: MA Business Administration
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Robert Anthony Gentry (RFC®), LUTCF
(252) 449-8165
3118 N. Croatan Hwy.
Kill Devil Hills, NC
Company
Lincoln Financial Securities Corp.
Qualifications
Education: The CRPC® designation achieved by Robert A. Gentry, RFC®, CRPC® prepared him to understand the changing needs of retirees and the unique challenges they face, particularly, that individuals frequently seek guaranteed sources of income throughout their re
Years of Experience: 20
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, personal Coach, 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, Charitable Planning, Charitable Foundations, BuySell, Compensation Plans

Data Provided by:
Mr. Charles E. Trent (RFC®), CFP, CHFC, CLU, EA, LUTCF
(704) 365-3122
6525 Wheeler Drive
Charlotte, NC
Company
Gardner and White
Qualifications
Education: MBA
Years of Experience: 26
Membership
IARFC, FPA, SFSP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Jon Jonathan Gregory
5401 Plain View Hwy.
Dunn, NC
Service
CD Alternative,Health Care Insurance,Long-Term Health Care Planning,Asset Protection Strategies & Planning,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Insurance & Risk Management Planning,High Yield Bank Accounts,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning

Data Provided by:
Roger Myers
632 Matthews-Mint Hill Rd.
Matthews, NC
Company
Title: Branch Manager
Company: Dalton Strategic Investments
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 29
Service
Captive Insurance,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Individual Income Tax Planning,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Investment & Portfolio Management,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management P

Data Provided by:
Mr. Nelson M. Kelly (RFC®), CHFC, CLU
(919) 270-2553
3737 Glenwood Ave
Raleigh, NC
Company
Winthrop Capital Management
Qualifications
Education: B.S., University of Tennessee -- Economics/BusinessCLU, ChFC, RFC
Years of Experience: 26
Membership
IARFC, SFSP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Employee Benefits, Family Offices, Stocks and Bonds, Mutual Funds, Mortgage Loans, Precious Metals, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Charitable Foundations, BuySell, Compensation Plans

Data Provided by:
Guiseppi Morabito, CRPS
3737 Glenwood Avenue, Suite 100
Raleigh, NC
Company
Company: J.P. Turner & Company Capital Management, LLC
Type
Investment Advisor Rep: Yes
Service
Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Life Insurance,Inv

Data Provided by:
Data Provided by:

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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