Life Insurance Overview
We all can agree that planning for the financial well being of our families is certainly a subject we should give some serious thought to. And that’s the purpose of the following information – a serious though not complicated look at “the truth about life insurance” and why it’s important to you.
First of all, let’s get one simple truth out of the way right now … it’s not a pleasant thought, but it is a necessary one: Life insurance is about what a person is going to leave to his or her heirs after he or she dies (and that “what” means m-o-n-e-y). But, life insurance can be much more than that; in fact, life insurance can be a way to build up a personal fund that you may use yourself BEFORE you die.
Buying life insurance can be very confusing because, today, you have so many choices. If you’ve ever thought about “What is the best type of life insurance to own,” the simple and best answer is “The type of life insurance that is in force on the day your heirs need it!” That may sound like some salesperson’s quick retort, but it is really The Truth!
However, most Americans have many, many other questions bouncing around in their minds when they get around to giving serious thought to buying life insurance. Here are a few of those important questions:
Learn about Joint Life Insurance
What is Term Life Insurance?
It should come as no surprise to you that “term” life insurance involves “time,” that it pays a death benefit to your heirs only if you (the insured) die during a specified period.
What is permanent life insurance?
Permanent Life Insurance provides you with coverage throughout your entire lifetime, and it may include a way for you to build “cash value" in your policy.
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416 E. Mitchell St.
Petoskey, MI 49770
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Low Risk, Low Volatility Disclosure: Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.
We describe the Horter investment management platform by using the terms "Low Risk" and "Low Volatility" to emphasize the strategies employed by our money managers. However, notwithstanding the risk management strategies employed by these money managers, certain investment portfolios employed by our money managers present a greater degree of investment risk than others depending upon the performance of the underlying securities. We typically refer to these strategies as "Moderate Risk" and "Moderate Volatility". Such performance can be impacted by a number of risk factors, including but not limited to (i) the level of price volatility (equity securities generally have greater price volatility than debt securities, (ii) changes in interest rates, and (iii) the ability of the manager to purchase or sell a security in a timely manner at desired prices.
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered. Insurance and annuity products are sold separately through CLC Investment Advisors. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade and Jefferson National Life Insurance Company.
CLC Investment Advisors is not responsible for any independent decisions made from information found on this website or links provided to external websites. You need to conduct your own research and consult with CLC Investment Advisors or your own financial professional about your personal situation before making any financial decisions.
Medicare Supplement insurance policies are underwritten by each individual insurance company. CLC INVESTMENT ADVISORS AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
Policies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.
These products and their features and riders may not be available in all states.
This is an insurance solicitation. A licensed insurance agent/producer may contact you.
Medicare Supplement insurance underwriting is conducted by each individual insurance company.
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