Life Insurance 101

Life. It's Worth Insuring.

There is not a "one-size-fits-all" life insurance product. Regardless of where you're at in life, we have products tailored for you including:

• Term Life - 5, 10, 15, 20, 25 & 30 year terms
• Term Life w/ Return of Premium
• Simplified Term (Minimal Underwriting)
• Keystone Accelerated Term (Quickly qualify for up to $500,000 with no medical exam and a streamlined application process.)
• Universal Life with Death and Living Benefits
• Whole Life for long-term goals
• Disability Insurance
• Long-Term Care

Insurance for Every Family Member

• Newborns: Life insurance provides insurability and funeral expenses. Whole Life policies with guaranteed insurability riders.
• High School and College Grads: Life insurance affords insurability and proceeds to eliminate student debt and funeral obligations. 
• Young, Single Adult: Life insurance allows future insurability and private coverage to follow the individual during their lifetime.  Allows for financial obligations to be met: mortgage, auto loans, college debt and final expenses. 
• Young, Married Couple: Life insurance allows for debt reduction: mortgage, auto loans, college debt, child care and final expenses.  Income replacement is of special importance, especially when two incomes are being used to maintain the household. 
• Nearing Retirement Age:Financial Umbrella policy, pension maximization and charitable, generational giving.
• "Golden Years": Life insurance protection for funeral costs, loan payments, medical expenses and gifting.

It is never too late to get started

The process of getting life insurance doesn't have to be hard.  Spire Insurance Solutions has made it easy to walk through and determine how life insurance can help protect you, your loved ones, and their future.  If you have recently experienced a major life event such as:

• Change in marital status
• Birth of a child or grandchild
• Sell, purchase or refinance of home
• Start or purchase a business
• Death of family member
• Change of employment 
• Retirement
• Health changes or concerns
• Changes in assets

you should meet with one of our licensed solution providers to ensure your current plans meet your needs.