HEALTH INSURANCE
• Individual
• Group
• Short Term
• Dental and Vision
• Health Savings    Accounts

Life Insurance
• Term
• Whole
• Universal
• Variable Universal
• Buy/Sell    Agreements

Disability Income Protection
• Individual
• Group
• Business    Overhead

Critical Illness

Long-Term Care

Medicare and Supplements

Annuities

Retirement and Estate Planning

LIFE INSURANCE
There are four basic types of Life Insurance: Term coverage, Whole Life coverage, Universal Life coverage, and Variable Universal Life coverage. We also specialize in Buy/Sell Agreements and key-employee coverage.

• Term coverage: Covers your life for a certain period of time, generally 5-30 years. Once the certain period of time is over, the insurance is over. It is like renting insurance. Term coverage is the most inexpensive of the four types, but also offers the simplest coverage.
  
• Whole Life coverage: Covers you for the rest of your life. You pay the premium (generally a fixed amount) for the rest of your life.
  
• Universal Life coverage: Coverage is similar to whole life, however you can choose to change your premium amount and benefits throughout the life of the policy. This type of policy can create a "cash value", with a guaranteed fixed rate of interest. This is a popular type of coverage because everyone’s lifestyle changes and this type of plan can be adapted to your current needs and budget.
  
• Variable Universal Life: Coverage is similar to Universal Life; however, it allows you to invest in the market on a tax-favored basis. Because the market is always changing, this is a much more volatile type of policy.
  
• Buy/Sell Agreements: A buy/sell agreement is generally funded with Life insurance, Critical Illness insurance, and/or other insurance products to simplify the situation of sudden death or critical illness among business partners.

Jones & Associates can assess your particular situation and advise you as to what is the best solution for your life insurance need.

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