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The Etherly Agency has a wide range of life insurance, fixed and indexed annuities, long-term care, disability, and health products. We are solution oriented. We strive to ensure our clients are able to protect themselves and those most precious to them.
Life Insurance
Life insurance is a contract between an insurance policyholder and an insurer. The insurer promises to pay a designated beneficiary/beneficiaries a sum of money upon the death of an insured person (often the policyholder). Life insurance can place specific rights among the following persons: the insured, the owner, and the beneficiary/beneficiaries. Depending on the contract, other life events such as long term care needs, terminal illness or critical illness can also activate payment.
Term Life (Temporary)
Term life insurance coverage is typically for a specified time period (i.e., annual renewable, 10, 15, 20, 30 or 40 years). Term life insurance policies do not accumulate cash value, but are significantly less expensive than permanent life insurance policies with equivalent face amounts.
Whole Life (Permanent)
Whole life insurance is a permanent type of life insurance. This type policy remains in force for your entire lifetime, provided that premiums are paid as specified in the policy. Whole life insurance can also build cash value over time.
Universal Life (Permanent)
Universal Life insurance offers flexible premiums, adjustable death benefits, and cash values that are relative to interest rates.
Index Universal Life (Permanent)
Indexed universal life insurance is offers flexible premium payments, a cash value component, and death benefit. The money in the cash value account can earn interest based on a stock market index offered by the insurer.
Healthcare Insurance
Healthcare insurance is a legal contract that requires an insurer to pay some or all health care cost of the insured. This is in exchange for a premium paid to the insurer.
Group Health Plan
Health insurance offered by an employer, union, association, or organization to its employees, members and their families. Coverage is based on current employment.
Individual Health Insurance
Coverage that is purchased on an individual or family basis.
Disability Insurance
An insurance plan that pays a percentage of a person's income when he or she is disabled from an illness or injury and cannot work. Coverage can be specified to occupation.
Short Term Disability
Typically covers a portion of your income for a few months or up to a year.
Long Term Disability
Coverage can last for several years. Depending on income levels, disability policies may cover 40 to 70 percent of your income.
Long-Term Care Insurance
Long-term care insurance policies pay policyholders a daily amount (up to a pre-selected amount) for services to assist them with activities of daily living such as eating, bathing, dressing, or walking. You can select a range of care options and benefits that allow you to get the services you need in your home or other facility.
Annuities
Annuities are insurance contracts between you and an insurance company in which you make a lump-sum payment or series of payments and, in return, receive regular disbursements, beginning either immediately or at some point in the future.
Fixed Annuities
A fixed annuity is a financial contract that guarantees a specific rate of return and provides an income stream in retirement. By having a fixed interest rate, you know in advance how much your annuity will grow and how much income it will pay out.
Index Annuities
An index annuity is a contract between you and an insurance company that pays an interest rate based on the performance of a specified market index.
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This guide is a MUST READ for anyone looking into life insurance products. Packed with easy to read and useful information that everyone NEEDS TO KNOW before purchasing a policy.
We even included a "What you should ask BEFORE obtaining any life policy."