Life insurance for everything you value most
With his expertise, Jason Durocher can help you find the right coverage for you and your loved ones. Enhancing customer satisfaction, and ultimately driving your life towards greater prosperity.
ABOUT US
Life insurance and retirement specialist
What sets us apart is our unwavering commitment to customization. We don't believe in one-size-fits-all solutions. Instead, we take the time to get to know your needs, culture, and unique goals. This personalized approach allows us to design insurance benefits that align seamlessly with your values and objectives.
OUR SERVICES
We offer a comprehensive suite of employee benefit consulting services designed to address the unique needs of your organization. Our range of services includes:
Term life insurance
Do you need coverage for a specific period of time? Term life insurance helps with short-term debt, provides extra protection during your child-rearing years, and more.
Indexed universal life insurance
Are you worried about your retirement? Do you want to multiply your money? Indexed universal life insurance grows over time and is connected to market growth. Where you can save money for when you are older and need important things.
Whole life insurance
This permanent policy protects your family's future while building cash value that grows tax-deferred. Premiums remain fixed for the life of the policy.
Universal life insurance
This permanent policy, with flexible premium payments and death benefits, can help protect your loved ones while building cash value tax-deferred.
Life insurance coverage at a glance
Whether you're looking for the affordability of term insurance, the lifetime protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. Decide what coverage is right for you before getting a life insurance quotation.
Provides lifetime coverage if premiums are paid.
Cash value accumulates over time and creates capital that can be used throughout your life.*
Constant premiums.
Some types of whole life insurance offer flexible premium payments and constant or increasing death benefit options.
Whole life insurance
Provides coverage for a limited period of time (term) if premiums are paid.
Provides a death benefit, but typically has no cash value.
Initially, a less expensive form of life insurance.
It can be renewable or convertible.
Term life insurance
FAQS
How does the cash value in a whole life insurance policy grow?
The cash value in a whole life policy grows through a combination of premium payments and the accrual of interest or dividends, depending on the policy type.
Can I access the cash value in my whole life insurance policy during my lifetime?
Yes, you can access the cash value through policy loans or withdrawals, but it's important to understand the implications for your death benefit and tax consequences.
What are the tax advantages of whole life insurance policies?
Whole life insurance offers tax-deferred growth of cash value and generally allows for tax-free withdrawals up to the policy's basis.
How can whole life insurance be used for estate planning purposes?
Whole life insurance can provide a tax-efficient way to transfer wealth to beneficiaries, as death benefits are typically income-tax-free.
What are the unique features of index universal life insurance?
Index universal life insurance combines death benefit protection with the potential for cash value growth linked to the performance of stock market indices.
How does the "indexing" feature work in index universal life policies?
The indexing feature credits interest based on the performance of a chosen index (e.g., S&P 500), offering the potential for higher returns compared to traditional fixed policies.
Is term life insurance suitable for long-term financial planning?
Term life insurance is ideal for temporary protection needs, such as covering mortgage or education expenses, but it does not build cash value for long-term savings.
What factors should I consider when selecting the term length of my policy?
Consider your financial responsibilities, like the duration of mortgage payments and your children's expected education timeline, when choosing the term length.
How do policyholders have control over premium payments in universal life insurance?
Universal life insurance allows policyholders to adjust the premium amounts and frequency to suit their changing financial circumstances.
What is the primary goal of an immediate annuity?
Immediate annuities are typically used to provide a guaranteed stream of income starting immediately, often used for retirement income planning.
Can annuity income be customized to meet specific retirement needs?
Yes, annuities offer flexibility to choose between various payout options, such as lifetime income, period certain, or joint and survivor options.
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