Protect What Matters Most with Life Insurance
At 312 Insurance, we understand that your family’s future is your top priority. Life insurance provides a solid foundation for financial security, ensuring your loved ones are cared for, no matter what life brings. With over 16 years of experience, we specialize in helping individuals and families make informed decisions to protect their financial futures.
Why Choose Life Insurance?
Life insurance is more than a policy; it’s a promise to protect the people you love. Here are a few key benefits:
• Income Replacement: Ensure your family’s lifestyle remains intact if something happens to you.
• Debt Protection: Cover expenses like mortgages, car loans, or student loans.
• Legacy Planning: Leave a financial gift or inheritance for the next generation.
• Estate Liquidity: Help cover estate taxes or other final expenses.
• Business Continuity: Protect your business with buy-sell agreements or key-person insurance.
• Long-Term Care Planning: Certain life insurance policies provide flexibility to cover long-term care needs, a death benefit, or a combination of both—helping protect your family no matter what the future holds.
Our Life Insurance Options
At 312 Insurance, we offer a wide range of life insurance solutions tailored to meet your needs, including:
Term Life Insurance
• Affordable coverage for a specific period (10, 20, or 30 years).
• Ideal for families seeking maximum coverage at the lowest cost.
• Provides financial protection during critical years, like paying off a mortgage or raising children.
Permanent Life Insurance
• Lifetime coverage as long as premiums are paid.
• Options include Whole Life and Indexed Universal Life (IUL).
• Build cash value that grows tax-deferred and can be accessed during your lifetime for emergencies, retirement, or other needs.
Life Insurance with Long-Term Care Benefits
• Policies that provide dual-purpose coverage for long-term care needs, a death benefit, or a combination of the two.
• Helps protect your family from financial stress if care is needed while ensuring a legacy is still passed on.
Irrevocable Life Insurance Trust (ILIT) Policies
• Designed specifically for high-net-worth families to help reduce estate tax liabilities.
• Keeps the death benefit outside your taxable estate, ensuring more wealth is passed to your heirs.
• Often used for legacy planning or liquidity to cover estate-related expenses.
Why Work with 312 Insurance?
Choosing the right life insurance policy can be a complex process. At 312 Insurance, we make it simple and stress-free by offering:
• Unparalleled Expertise: With over 16 years of experience, we’ve helped individuals, families, and business owners secure customized life insurance solutions tailored to their needs.
• Access to Top Carriers: We partner with a wide range of highly rated insurance companies to ensure you get the best policy at a competitive price.
• Tailored Solutions: We take the time to understand your unique circumstances—whether you’re seeking basic coverage, advanced estate planning, or business protection.
• Specialized Knowledge: Our expertise extends to complex policies, including life insurance with long-term care benefits and ILITs for high-net-worth families.
• Long-Term Commitment: Our relationship doesn’t end when your policy is issued. We’re here to review and adapt your coverage as your life evolves.
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All rights reserved. This is not an offer to enter into an agreement. Information and programs are subject to change without notice.
312 Insurance
312 Insurance Group
3601 Algonquin Rd, #605, Rolling Meadows IL 60008
(847) 665-1952
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