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rumark knows life insurance

What can Trumark do for you?

 

We don't have all the answers, but we have access to all of the solutions and will definitely find the answer if it exists.

We know the specific challenges facing your industry and understand the importance of giving your customers what they want.

Life Insurance

Provides a degree of financial protection against the certainty of death and can help survivors achieve specified financial objectives.  Life insurance death benefits are usually income tax free and can be used to complete a retirement plan, generate lifetime income, pay off the mortgage, and provide funds for childcare, college educations and more.  Life insurance policies that accumulate cash value can often provide tax advantaged money to help meet retirement or emergency cash needs.

 

 

 

  • Financial Strength

  • Policy owner value

  • Longevity

When life insurance coverage is needed for only a limited period of time, consider Term life Insurance.  At the end of the designated time period, the policy can be either renewed or ended.

 

 

  • Provides protection for a specific term

  • Produces a death benefit that is generally free from income taxes

  • Is often renewable after the policy term without evidence of insurability

  • Usually costs less than permanent insurance in the short-term

  • Can usually be converted to permanent insurance with the same company during part of the life of  the policy

Term Insurance

Universal Life Insurance

When life insurance coverage is needed for only a limited period of time, consider Term life Insurance.  At the end of the designated time period, the polic ycan be either renewed or ended.

 

 

  • Provides protection for a specific term

  • Produces a death benefit that is generally free from income taxes

  • Is often renewable after the policy term without evidence of insurability

  • Usually costs less than permanent insurance in the short-term

  • Can usually be converted to permanent insurance with the same company during part of the life of  the policy

Can help you achieve some of your financial goals by building cash value. It offers many of hte same benefits as traditional universal life insurance, with one primary difference - the way interest is credited to the cash value of the policy.  you can choose whether to allocate your premiums to an index-linked acount, a fixed account or both.  the index-linked options are what provide upside potential.

 

 

  • Financial Strength

  • Policyowner value

  • Longevity

Indexed Universal Life

Annuities

Annuities are a popular, tax-deferred investment vehicle for those in or near retirement (typically ages 50 to 85) who are looking for:

 

 

  • A way to save and accumulate money for future needs

  • Flexible income benefit options - helping hedge the risk of living too long and outliving your income

  • Protection against living too long and outliving assets

  • Tax-deferred growth opportunities

  • Guaranteed death benefits

Everyone should protect their income and their savings against the risk and impact or a disability.  your income is your most valuable asset and is the foundation to a solid financial plan.  Help make sure you can maintain your lfiestyle and protect your family's future if you become too disabled or unable to work for an extended period of time with Disability Income Insurance.

 

 

  • Financial Strength

  • Policyowner value

  • Longevity

Disability

Long Term Care

Long-term care (LTC) insurance is important coverage that provides valuable support and financial resrources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging.  By helping to protect your assets, and giving you choice and control over where youy receive care - including in your home - LTC insurance helps you and your family face the future with confidence. 

 

 

  • Individual and Joint

  • Linked Benefit Products

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