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
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
America’s top- rated carriers.