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Types of Life Insurance - Permanent & Term Life Insurance Leland 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.

Stephen Chappell
106 North Water St
Wilmington, NC
Company
Title: Financial Advisor
Company: Raymond James Financial Advisor
Type
Registered Investor: Yes
Education
MSFS,CFS
East Carolina University
School of Financial Planning
Years Experience
Years Experience: 20
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Distribution Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Annuities,Long-Term Health Care Planning,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Life Insurance,In

Data Provided by:
Mr. Dennis G. Stokley (RFC®), RHU
(910) 256-2350
5725 Oleander Dr. Suite F-1
Wilmington, NC
Company
Stokley Financial Group
Qualifications
Education: University of North Carolina at Chapel Hill. B.S in Industrial Relations and Psychology
Years of Experience: 22
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Education Plan, Healthcare Accounts, BuySell, LiabCover, Compensation Plans

Data Provided by:
Mr. William A. Harmon (RFC®), CFP, RFP
(919) 968-1177
2210 Holly Circle
Chapel Hill, NC
Company
Vita Planning
Qualifications
Years of Experience: 28
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Charitable Planning, Education Plan, Compensation Plans

Data Provided by:
George H. Bode (RFC®), CEP, CFA
(919) 846-2633
8202 Lloyd Allyns Way
Raleigh, NC
Company
George H. Bode & Associates, LLC
Qualifications
Education: BA
Years of Experience: 29
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Executive Compensation Planning, Retirement Planning, Medicaid 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, BuySell, Compensation Plans

Data Provided by:
Mr. Dennis G. Stokley (RFC®), RHU
(910) 256-2350
5725 Oleander Dr. Suite F-1
Wilmington, NC
Company
Stokley Financial Group
Qualifications
Education: University of North Carolina at Chapel Hill. B.S in Industrial Relations and Psychology
Years of Experience: 22
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Education Plan, Healthcare Accounts, BuySell, LiabCover, Compensation Plans

Data Provided by:
Daniel T. Cooper (RFC®), CSA, LUTCF
(910) 790-7990
4024 Oleander Dr Ste 1A
Wilmington, NC
Company
BluePrint Retirement Advisory Group
Qualifications
Years of Experience: 19
Membership
IARFC
Services
Invoice, Estate Planning, Retirement Planning, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance, Compensation Plans

Data Provided by:
Wilmington Insurance Quotes
(910) 228-8352
5611 Wood Duck Circle
Wilmington, NC
Alternate Phone Number
910-228-8352
Services
life, health, dental/vision, homeowners, auto
Prices and/or Promotions
We work with over 40 companies, so we can shop around for you!

Mr. James D. Stillman (RFC®), CSA
(704) 660-0214
119F Poplar Pointe Dr
Mooresville, NC
Company
JDS Wealth Management Corp
Qualifications
Education: Licenses held are:Life & Annuity, Medicare Supplement / Long Term Care, Series 65 Registered Investment Advisor, Registered Financial Consultant (RFC), Certified Senior Advisor
Years of Experience: 13
Membership
IARFC, MDRT, FPA, SCSA
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, CommOptions, Precious Metals, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Charitable Planning, Healthcare Accounts, Asset Protection, Compensation Plans

Data Provided by:
Mr. Raymond Wong (RFC®), PHD
(919) 928-0945
1829 E Franklin, Ste 600
Chapel Hill, NC
Company
Ameriprise Financial
Qualifications
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Tax Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Education Plan, 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:
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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