Call us at 931.431.3315 (please note, this number is voice only and does not accept text messages) and speak to our Wealth Management Team. We can't wait to get to know you and help you build a plan that aligns with your values and helps you reach your financial goals.
We can’t always see the future, but we can do our best to protect it for our loved ones. Life insurance gives your family peace of mind if you are no longer here to care for them. Whether you want to provide for their expenses or leave a lasting legacy, you can ensure their financial stability even if the unexpected happens.
We know it's not an easy conversation to have, and we take great care to help you make the best decisions now for your beneficiaries. Learn more about life insurance options below and then schedule a time to speak with us at your convenience. Our advisors, registered representatives of Osaic Institutions*, will guide you through insurance analysis and help you select a plan customized to your specific goals.
The most approachable and basic option for those looking for life insurance is Term Life Insurance. Just like the name implies, this insurance option covers you for a term, or a specific period of time. Many Term Life Insurance plans will have the option to eventually convert into a permanent plan and if that is something you are interested in, just let us know.
The flexibility and customizable nature of term insurance means that it can be a good option for many people. Whether you are just entering the workforce or are retiring and find yourself in need of additional coverage, ask us if Term Life Insurance is right for you.
If you are looking for a more permanent solution that still offers you the flexibility required of a dynamic life well lived, Universal Life Insurance is another option worth considering.
As the policyholder, you will be able to customize the policy benefit, length of coverage, and premium obligation. You also have the potential for a cash-value benefit and the ability to adjust these selections over time.
Maybe you know you don't need flexibility quite as much as you need a fixed premium or guarantee*? Then consider Whole Life Insurance. Whole life insurance covers, well, your whole life and does so with a guaranteed* cash value.
You can choose from plans that earn dividends or do not, and plans that allow you to withdraw and borrow money that you pay back with interest at a later time.
If you don't mind having a higher premium, but find extra benefit in growing cash wealth or having a guaranteed* offer for your entire life, this may be a good plan for you.
*All guarantees are by the issuing insurance company and are subject to the claims paying ability of the insurance company.
We believe money management guidance should be holistic, free, and personal. If that sounds like what you are looking for, give us a call at 931.431.3315 (please note, this number is voice only and does not accept text messages).
*Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Osaic Institutions and Fortera Credit Union are not affiliated. Products and services made available through Osaic Institutions are not insured by the NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by a credit union or credit union affiliate. These products are subject to investment risk, including the possible loss of value. For more information, please visit http://www.finra.org/ or http://www.sipc.org/. Members should consult a tax advisor for additional tax information.