At Butler Insurance Services, we believe that life insurance is the most important insurance product we provide.  Care should be taken to ensure this product is suitable for your long term life insurance needs.  We will work closely with you to tailor a policy that fits your needs, goals and budget.  The first step in the process will be a fact finding face to face appointment, so that our advisors get to know you, and can help you understand the benefits life insurance can provide.   Please contact us to schedule your appointment.
 
Providing for you
You can trust your Butler Insurance Services agent to serve you with honesty and integrity, helping you choose the correct insurance for your life and needs. We’ll help you understand the benefits your life insurance provides.

Life Insurance can be used for:
Final Expenses
Paying off debt / mortgage
Making mortgage or rent payments
Providing an income to your heirs
Transferring an inheritance to your heirs
Paying estate / inheritance taxes and costs
Business continuation

If applicable, the cash value can be accessed through partial surrenders and/or loans to meet immediate or future income needs including:

Supplemental college funding
Supplemental income
Rewards for key employees
 
A policy that fits
The two primary types of life insurance are Term life and Permanent life.
 
Term Life Insurance

•    Offers financial protection and level premiums for specific time periods
•    Maximum protection for a low premium
•    While they don’t build cash value, some policies can later be converted to permanent life insurance
 
 
Permanent Life Insurance
 
Whole Life Insurance
•    Premiums stay the same over the entire life of the policy
•    Guarantees cash value accumulation
•    Potential for excess interest credits in some policies
•    Along with guaranteed death benefit, this policy may offer the opportunity take withdrawals and loans, and can give you substantial tax benefits*
 
 
Universal Life Insurance
•    Maximum protection for a low premium
•    Level premiums for specified periods of time
•    Along with guaranteed death benefit, this policy may offer the opportunity to take withdrawals and loans, and can give you substantial tax benefits*
 
 
As your life changes with milestones, maybe a marriage, a new baby or job promotion, so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should consider any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age and has additional charges for modifications that customize a policy to fit your individual needs.
 
*Guarantees and protections are subject to the claims-paying ability of the issuing insurance company. Neither Butler Insurance Services nor its representatives give legal or tax advice, so make sure you see your legal or tax advisor for answers to your specific questions. Also, keep in mind, withdrawals and loans reduce the life insurance death benefit.

Working harder for you.

We’ll work closely with you to help tailor a policy that fits your needs and budget.  You may even be eligible for discounts on other policies when combined with life insurance.

Questions? Call my office at (208) 321-0081 for simple and complete answers.

Call for a free life insurance quote today.