LIFE INSURANCE

Spetner provides a variety of life insurance plans. We will help you find the program that fits your individual needs. Our goal is to provide you the best benefits at the best cost to help you reach your long-term financial needs. Spetner offers life insurance only through the country’s most highly rated insurance companies.

  • Term Life Insurance – temporary insurance that provides coverage for a specified period of time, typically 10, 15, 20, or 30 years. Term Life allows you to obtain large amounts of protection at an affordable price. These benefits will help keep your family financially whole in the event of your death.
  • Permanent Life Insurance – combines a death benefit with a savings/investment plan. This gives you life insurance protection with the opportunity to invest for the long term. Permanent Life offers tax free survivor benefits, tax-free liquidity, and tax-deferred accumulation. Unlike a Term Life Insurance policy, Permanent Life is appropriate when coverage is needed over an extended period of time. It is the best value in life insurance over an average lifespan and is especially well-suited for estate tax planning needs. Spetner can provide you with a Permanent Life Insurance contract to help you achieve your financial goals. We have several Permanent Life vehicles from which to choose: such as, Universal Life, Whole Life, and Variable Life - all from North America’s top- rated carriers.