CLC Investment Advisors

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  • About
    • Our Firm
    • Our Team
  • Investments
    • Tactical Portfolio Management
    • Riskalyze
  • Retirement Income
    • Fixed Annuity
    • Social Security
  • Protection
    • Life Insurance
    • Long Term Care
  • Strategies
    • Personal Pension Plan
    • Wealth Transfer
  • Videos
  • Resources
  • Contact
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Financial Protection: Life INsurance

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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:
  • “Which type of policy should I buy?”
  • “How much coverage do I need?”
  • “How long will I need that coverage for?”
  • “How much will I be able to afford to spend on 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. 

Types include:
  • Level Term
  • Decreasing Term
  • Renewable Term
  • Convertible Term
  • Group Term

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.  

Types include:
  • Traditional Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance
  • Indexed Universal Life Insurance:
  • Variable Universal Life Insurance:
  • Last Survivor Universal Life Insurance:
  • Single Premium Life Insurance:

Need help deciding which life insurance policy best fits your needs?

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MORE PROTECTION TOPICS

Long Term Care
Wealth Transfer

Read our Life Insurance Guide

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LIFE INSURANCE 101
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ASK US A FINANCIAL QUESTION

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Everyone’s financial situation is unique and there is NOT a one-size fits all retirement plan. Ask us questions and get real answers. ​
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Contact Us:

CLC Investment Advisors
416 E Mitchell St
PO BOX 2060
Petoskey MI 49770
231.675.2693

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DISCLAIMERS:
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor.  Horter Investment Management does not provide legal or tax advice.  Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements.  Insurance and annuity products are sold separately through CLC Insurance.  Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

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.  Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%.   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.

Insurance and annuity products are not sold through Horter Investment Management, LLC (“Horter”).  Horter does not endorse any annuity or insurance products nor does it guarantee their performance.  Owners of these products are subject to the terms and conditions of the policies and contracts of the issuing companies.  All product guarantees depend on the insurance company’s financial strength and claims-paying ability.

​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.

INFORMATION CONCERNING COPYRIGHT INFRINGEMENT CLAIMS:
CLC Investment Advisors  provides links from its website to various third party sites which may enable you to obtain locations and information outside of our control. We neither control nor endorse such other websites, nor have we reviewed or approved any content appearing on them. We do not assume any responsibility or liability for any materials available at these websites, or for the completeness, availability, accuracy, legality or decency of these sites.

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