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LIFE INSURANCE

At KTI, our experts provide comprehensive life insurance plans tailored to meet your individual needs. Contact us today and let us help protect your future with a tailor-made plan that will ensure you and your loved ones are taken care of. 

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CONTACTS US TODAY!!

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1855-956-( KING) 5464     OR

EMAIL US: INFO@1STKINGTAX.COM

Family

  1. Term life insurance: This is a type of life insurance policy that provides coverage for a specific term or period of time, such as 10, 20, or 30 years. If the policyholder dies during the term, the death benefit is paid to the beneficiary.

  2. Whole life insurance: This is a type of life insurance policy that provides coverage for the entire life of the policyholder. It also includes a savings component that accumulates cash value over time.

  3. Universal life insurance: This is a type of life insurance policy that offers flexibility in terms of premiums and death benefits. It allows policyholders to adjust their premiums and death benefits over time.

  4. Variable life insurance: This is a type of life insurance policy that allows policyholders to invest their premiums in a range of investment options, such as stocks, bonds, and mutual funds.

  5. Indexed universal life insurance: This is a type of life insurance policy that combines the features of universal life insurance and an indexed investment strategy. It allows policyholders to participate in the growth of the stock market while also providing a death benefit.

  6. Survivorship life insurance: This is a type of life insurance policy that covers two individuals and pays out the death benefit only after both individuals have passed away.

  7. Final expense life insurance: This is a type of life insurance policy that is designed to cover the costs of a funeral and other end-of-life expenses. It typically has lower coverage amounts and premiums than other types of life insurance.

Term Life Insurance

Term life insurance pays your beneficiaries a pre-set amount of money in the event of your death. Coverage is only good for a limited term.

 

Best for:  younger people with families or people who need a specific amount of life insurance for a set period of time.

Permanent Life Insurance

Permanent life insurance lasts your entire life and accumulates cash value for you.

 

You (the policy owner) can use the cash value account to pay policy premiums or as a source to borrow or withdraw funds any time.

Best for:  people who want the security of a long-term life insurance policy and the additional benefits of potential cash value growth.

Leaf Pattern Design

Final 
Expense
Insurance

Final expense insurance is used to pay for end-of-life expenses like funeral costs and medical care. The coverage is significantly less than normal life insurance policies.

Best for:  people who want affordable life insurance with smaller benefit amounts with an emphasis on covering funeral costs. 

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