If you’re looking to put life insurance into your financial plans for a limited time — long enough to meet your anticipated responsibilities to those who depend on you — Term Life Insurance may be right for you. Term Life Insurance provides a death benefit at a fixed premium for a specific period of time (e.g., 5, 10, 20, 25 or 30 years).
Whole Life Insurance can be the foundation for your family’s financial protection. We represent a wide variety of whole life insurance carriers and policies that can help replace your income to protect your family or business in the event of your death. You can also build cash value within the policy, which helps accumulate wealth, gives you access to cash to cover unexpected expenses, augments your retirement income, and facilitate estates planning.
Universal Life insurance is a permanent policy that gives you the flexibility to customize the coverage and premiums that meet your needs. Universal life insurance policies allow you to decide the amount of life insurance and premium payments, provides a death benefit that is generally income tax free, and gives access to cash value.
Long-term care insurance is a way for you to receive whatever care you need if you are ill or disabled for a long period of time. Long-term care insurance protects your assets against the high costs of care at a nursing home or assisted-living facility, or help from a home health worker.
Seniors and retirees have unique insurance needs and PNL Insurance provides the care and personalized service you need. We offer Medicare Supplemental Insurance, Medicate Prescription Coverage, Long Term Care and Annuities.