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Protect your legacy, your loved ones or your business with a term or permanent life insurance that allows you to leave tax-free proceeds to your beneficiaries. Smart life insurance planning is a crucial, financially sound practice.
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$1 million policy, only $43/month*:

A 35-year old, non-smoker male rated Preferred Best (excellent health) may be able to purchase a $1 million policy for just $43/month.

A similar $500,000 policy may cost under $25/month.

A $100,000 policy for may cost under $11/month – less than the cost of a gym membership, cell phone bill, or movie tickets.

* This is an example only, not a guaranteed rate. Premiums are based on an individual's age, location, health and a variety of additional factors determined by each life insurance company's underwriting and actuarial departments.

Know your options.

Term v. permanent:
If you are interested in purchasing a large amount of insurance for lower premiums that coverers you for a set amount of time – such as the years that you have young children – then 10-, 15-, 20- or 30-year term life insurance may be for you. If you are interested in permanent insurance – a policy that you can keep your entire life – then a universal or whole life insurance policy may be a fit. Depending on whether you are interested primarily in beneficiary income, cash value accumulation, or a variety of other strategies, LKJ Financial will help you find the product best tailored to your needs.
Personal v. business:
Life insurance is an excellent way to provide tax free income – distributed either all at once or over a set number of years – for your loved ones. However, business life insurance can also be an important way to ensure the continuation of your business should anything happen to you or a key company member.
Individual v. group:
In addition to protecting your own loved ones or business, offering group life benefits can be an inexpensive way to provide your employees with the same peace of mind for their own life insurance needs.
Substandard life:
Even if you think you are uninsurable, guaranteed issue policies (no medical questions) can be an excellent alternative for individuals who have suffered from conditions such as chronic heart disease, diabetes, strokes, and other debilitative or chronic illnesses that typically result in life insurance declines.
Chronic illness:
A chronic illness policy is worth considering if you are worried about protecting loved ones from the crushing costs of a chronic illness before death. For example, First Diagnosis Cancer insurance pays benefits immediately upon confirmation of the cancer and can help manage the financial burden often associated with a cancer diagnosis.
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