Naperville Life Insurance is the one stop shop for businesses, individuals, and families that need life insurance.  Whether you need mortgage life, final expense life, paying off debt, small business planning, estate planning, or income replacement this is your one stop shop.

We have access to over 50 life insurance companies with multiple products.  The list of products that you will need should be short and to the point.  We are not in the business of selling any variable products at all.  The fluctuations in the market are too dangerous for any one.  We believe that a universal product is going to work out just fine.

Let us explore the kinds of life insurance that are so important:

Term Life Insurance - This life policy provides insurance for a specified period of time for a face amount that is paid in the event of death.  The options are 5, 10, 20, and 30 year terms.  This is usually the least expensive product of them all.

Whole Life Insurance - Provides coverage for the entire life of the individual who is to be insured.  There is, of course, a face amount of insurance which is paid upon death of the insured.

Universal Life Insurance - This is a permanent type of life insurance which has a cash value built inside of it.  This cash value (unlike variable products that leave customers vulnerable) accrues at the prime interest rate + 1% usually.  Most of the insurance companies we represent guarantee a 4% return on the cash value built up inside of it.  One of the things that makes this policy different is that you can use your cash value as a loan.  Technically whatever cash is inside of the Universal policy (unlike variable) can be borrowed, and never paid back.  The idea works by activating the "policy loan provision" which allows the amount to be subtracted at the death of the insured, thus reducing the death benefit. 

Our company is the one stop shop for families, businesses, and individuals. 

Call for a free, no hassle quote:  877-323-0818