Longyear Insurance Agency: Choice and Service in Coverage

Services Offered

Explore tailored insurance solutions that prioritize your needs.

Mortgage Protection Insurance

Mortgage protection insurance is a specialized term life policy designed to cover your mortgage balance if you pass away during the term. It ensures your family can stay in their home, with premiums tailored to your mortgage term and budget, providing peace of mind and financial security.

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Equity Protection

A form of whole life insurance designed to cover a certain amount of months of mortgage payments on the home, so that way no matter how or when God forbid you do pass it’s guaranteed to give your beneficiary a certain amount of time to get the home taken care of. This is gonna ensure that they don’t have to be put into a tough financial situation or worry about losing the home back to the bank.

Term life insurance provides affordable, straightforward coverage for a specific period (e.g., 10, 20, or 30 years). If the policyholder passes away during the term, beneficiaries receive a death benefit. These policies suit clients seeking temporary protection without cash value accumulation, ensuring peace of mind with budget-friendly premiums tailored to your needs.

Term Life Insurance

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Whole Life Insurance

Whole life insurance provides lifelong coverage with a guaranteed death benefit for beneficiaries. It features fixed premiums and a cash value component that grows over time, which you can borrow against or withdraw. Ideal for long-term financial planning, it ensures lasting protection and stability for your loved ones.

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Indexed Universal Life Policy

Indexed Universal Life (IUL) insurance provides lifelong coverage with flexible premiums and a death benefit. Its cash value grows based on a stock market index (e.g., S&P 500), averaging 6-8% returns, with a guaranteed minimum interest rate (2%) to protect against losses and a cap on gains. IUL includes living benefits, allowing access to funds for critical illness or long-term care, offering financial flexibility and tax-deferred savings.

An Annuity is a financial product that provides a steady income stream, typically for retirement. You pay premiums (lump sum or periodic), and in return, receive regular payments for a set period or life. Options include fixed, variable, or indexed annuities, offering guaranteed returns, market-linked growth, or a balance of both, tailored to your financial goals.

Annuities

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Carriers we Offer