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Tongue|Gerner Financial Services, LLC
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Life Insurance - R.K. Tongue Insurance

Life Insurance

Term Life [request a quote] – Protects your family and assets in the event of your death. Term life insurance is designed to remain level in premium and benefit for a fixed period of time, typically ranging from 10 to 30 years, with terms of duration available at intervals between those increments. This form of life insurance is ideal for the early financial stages of life when debt tends to be high, families tend to be young, and an untimely death is likely to be most devastating to a family's financial wellbeing.

Whole Life [request a quote] – Capable of protecting your family and assets for the duration of your life using a combination of pure life insurance coupled with the accumulation of cash value and fixed interest on a tax-deferred basis. Permanent life insurance such as whole life is ideally suited for estate and final expense planning.

Universal Life [request a quote] – Another form of permanent life insurance capable of protecting your family and assets for the duration of your life. Universal life uses a combination of pure life insurance coupled with the accumulation of cash value and variable interest on a tax-deferred basis. Most modern universal life policies allow the holder to benefit from increased interest earnings during high interest rate environments while retaining the guarantee of an interest rate "floor" during low interest rate environments. Like whole life, universal life is ideally suited for estate and final expense planning.