Life Insurance
CM&F Group offers a variety of life insurance policies — suitable for every need and every budget. Whether to protect your dependents, manage your estate or to plan for inheritance tax liabilities, life insurance is a prudent and proven choice.
Whole Life Insurance
Whole life insurance covers you for your entire life, not just for a specific period such as term insurance. Your death benefit and premium in most cases will remain the same. Whole life insurance also builds cash value, which is a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you can borrow against it.
What are the benefits of choosing whole life over other types of life insurance?
Unlike term life insurance, a portion of your premium money goes toward your cash value which in turn could pay off your entire policy only after a few years. Also, your premium will remain constant during the time you are covered unless you choose otherwise. And, unless you make a change to your policy, you have lifelong coverage with no future medical exams.
Term Life Insurance
Term life insurance premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health — term life insurance does exactly what you expect it to do by covering your beneficiaries if you die. Here"s how it works:
Term life insurance does not build cash-value or have the tax benefits of universal or whole life, but it can be a great option for someone who would like life insurance, but can't afford the higher premiums. Here is a check-list to help you decide if term life insurance is right for you:
> You're on a budget and cannot afford a very high premium.
> You are young, and in good health.
> You are looking for a simple, straight-forward plan to protect your beneficiaries.
For more information about our life insurance policies and options and/or an application please contact Marty Liston at CM&F Group — 1-800-397-3008, ext # 346 or via email on the "Contact Us" section of this site.
Get A Term Life Insurance Quote Right Now!!
Click the button below to get multiple, immediate price quotes for Term LIfe Insurance from EbixLife. This engine will search our network of underwriting companies and give you several choices based on your input and levels of desired coverage. When you've chosen which policy and quote that you would like, just follow the prompts and your quote request will be forwarded to CM&F. We'll then confirm with you via email and get you the formal application to complete for coverage. It's fast, easy and very affordable!
