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Life Insurance

Stay-at-Home Parents:
They Need Insurance, Too

It’s very important to consider and plan for the life insurance needs of a stay-at-home parent. Why? Because
losing the parent who stays home with children can devastate a family, emotionally and financially.
Are you prepared?
In essence, to replace a stay-at-home parent may mean replacing a nanny, a chauffeur, a cook, a housekeeper, a gardener, a nurse and much more. Salary.com determined that, if paid, a stay-at-home parent would
earn $134,121 annually. Would the surviving parent be able to cover that amount without insurance until the children no longer need parental oversight?

Consider Term

Many people don't think they can't afford life insurance.  I have links to quotes from one of my major carriers.  These plans can be converted to whole or universal life without requalifying.  These plans allow someone on a tight budget to get the amount of life insurance they need now and convert some or all to a permant life policy later

Term Life Quotes
10 year term
20 year term
Vary competitive term life starting at less than $1.00 per day for $1,000,000 of coverage.  Call Cape Coral Insurance Center today for details.  239-357-6415

If you purchase the right Life Insurance You don't have to die for your policy to pay out! *  Life Insurance can protect your family from other catastrophic events.

Here are some other benefits life insurance can provide.  Contact Cape Coral Insurance Center for details 239-357-6415

• Long term care
  Some polices have riders for long term care.  If your policy doesn't offer long term care rider and you have a permanant life policy the cash value could be used.
• Return of premium rider
  Returns all premiums that you paid in at the end of the term if no claim paid out.
• Disability rider
  Pays the selected amount monthly if you are disabled subject to the limitations specified in the policy.
• Critical illness
  Pays a portion of the face amount if diagnosed with selected major illnesses, such as cancer.
• Terminal illness
  Pays a portion of the face amount usually 1/2 if you are diagnosed as terminal.
• Retirement
  Whole Life and Universal Life policies can be setup to pay a monthly retirement benefit.
• Financial needs
  You can take out a loan on Whole Life and Universal Life policies for any reason.

*The above benefits listed vary by company and may not be available in all cases.  Riders may require an additional premium.  Contact Cape Coral Insurance Center for details.

Bryce Grimsley
Cape Coral Insurance Center LLC
Licensed Insurance Agent
Licensed to sell insurance in Florida Ohio and Indiana
239-357-6415
Fax 888-308-8394