Protection and Security for your Dependents
Life insurance provides financial security to family members and/or dependents of individuals by protecting against losses of income that result when individuals pass away. The protection that life insurance provides is often called a death benefit, and it is an important part of any family’s financial planning.
There are numerous kinds of life insurance, each of which meets specific needs and provides unique kinds of protection. For this reason and others, it is important to speak with an insurance specialist before making life insurance decisions. At Z Insurance Group LLC, we work with you to develop comprehensive life insurance plans that meet the specific needs of your family and/or dependents.
Our dedicated specialists consult with you to ensure that you are fully aware of your coverage options and that your policy is fitting. They also provide you with ongoing support and education. If you need to covert or change your policy or if you just have questions, each of our specialists are here to here to help you.
What does a Life Insurance Policy cover?
Life insurance is used chiefly to provide a measure of security for the families and/or dependents of individuals who pass away. It can be used for other purposes as well, however. These purposes include paying off debts and estate taxes, providing money for continuing mortgage payments, and keeping businesses alive. Funds paid from life insurance policies are usually distributed lump sum and are generally income-tax free. The amount of these funds is most often chosen by the policyholder.
There are numerous different kinds of life insurance and each of these types of life insurance provides unique coverage and benefits. Generally, life insurance is broken into two categories: term and permanent. Term life insurance is a cost-effective coverage options for temporary needs. Permanent life insurance offers lifelong protection and is often more expensive than term life insurance.
Term life insurance comes in numerous forms, including return of premium, mortgage, and 5 to 30-year. Permanent life insurance typically comes in two forms: whole and universal. Whole insurance provides level premiums, strong guarantees, and valuable protection. Universal insurance provide lifelong protection, cash value, and flexibility. Each type of life insurance has different premiums and provides different coverage.
At Z Insurance we offer a wide variety of life insurance options to meet your individual needs.
- Individual Life Insurance
- Group Life Insurance
- Long-Term Care Insurance
- Disability Insurance
- Second-To-Die Policy
- Key Person (Key Men) Insurance
Understanding and selecting life insurance coverage can be challenging. Options are sometimes complex and matching these options with individual needs can prove to be complicated. To make the process easier, speak with an insurance specialist. At Z Insurance, our specialists are experts at guiding clients through the life insurance-selection process and at helping clients maintain proper coverage. Each specialist is a consultant and an educator and can help you ensure that your family and/or dependents are financially secure.
Why Z Insurance?
We are a full-service agency that has national-agency coverage options and resources and a ‘small-agency’ feel. We provide comprehensive coverage and personal attention. We work with you one-on-one to uncover and understand your needs and we match these needs with ideal policies. We maximize coverage and minimize costs using our longstanding relationships with diverse groups of insurance carriers.
Our goal is to ensure the financial wellbeing of your family and/or dependents for the lowest premiums. Our promise is to provide fast and efficient service. The culture of our agency is one of aptitude and graciousness, so each interaction you have with us is productive and pleasant. We make sure that we are available to you when and how you need us, whether it’s online, over the phone, or in person. These are just a few elements of our performance that reflect an ongoing commitment to your satisfaction.
We have years of experience delivering exceptional life insurance solutions and our commitment to your financial wellbeing and the ongoing security of your family and/or dependents is expressed in every service we provide. If you would like more information or want to know more about your policy options, please contact us.
We are proud to provide life insurance solutions in Wichita, Kansas; Memphis, Tennessee; Scottsbluff, Nebraska; Tulsa, Oklahoma; and. We are also licensed in Missouri, North Dakota, and South Dakota.