Life insurance is the only plan that will give you a KNOWN sum at an UNKNOWN time.
Aultium Insurance Services has experienced professionals who can taylor make life policies to your specific needs. We have plans that range from term life policies to cover you for a short period of time or an Indexed Universal Life Insurance policy to maximize your cash value.
Term Life Insurance
To buy life insurance you need the willingness to give up something today, so your family will not have to give up everything tomorrow.
Term Life insurance has been and is a good solution for millions of families and business owners who need insurance protection at an affordable price. Term insurance offers a guaranteed death benefit for a specific period of time. People buy term insurance when they have an immediate and/or temporary need that might arise from their premature death. Some examples include making sure their mortgage would be protected, providing college tuition for their children, or covering start up costs for a small business. Term insurance can help provide for these people and families on a tight budget. (Accelerated benefit riders available)
Universal Life Insurance
Universal life insurance is for individuals who desire life insurance protection with a real potential to accumulate cash value over time. If needed, cash accumulations may also be used for big budget items such as college funding or a dream vacation; or to fund a future business opportunity. This product also appeals to responsible couples, parents, business owners, and individual policy owners who may wish to access cash accumulation during their retirement years. (Accelerated benefit riders available)
Guaranteed Universal Life
Guaranteed Universal Life offers a life insurance that is GUARANTEED. Once a coverage amount and the premium payment required to guarantee the coverage amount for the desired time period has been determined, all you need to do to make sure the coverage remains in place during that period is pay your premiums on time. Guaranteed Universal Life is focused on providing a GUARANTEED death benefit that can be there for life. (Accelerated benefit riders available)
Indexed Universal Life Insurance
Indexed Universal Life is a permanent universal life insurance. Like all life insurance policies, it provides you and your family with peace of mind because it protects your loved ones when you can no longer provide for them. IUL's, however, have the potential to grow attractive cash value over time based on "indexing strategies" that are tied in part to the movement of the S&P 500. You can use this cash value to help supplement your retirement income, cover mortgage payments during emergencies or provide a "security blanket" during tough financial times. (Accelerated benefit riders available)
Accelerated Benefit Riders
Many of these policies have the option of accelerated benefit riders. So in addition to safe and stable life insurance protection, it also offers living benefits through the no-cost Accelerated Benefit Riders. These innovative riders can help with the costs of critical or long-term chronic illnesses or conditions while you are still alive - providing you with life insurance you don't have to die to use.