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High Limit Life Insurance

High limit life insurance is usually used for:

Accident Death Insurance

High Limit Accident Death Insurance (ADD) provides permanent, year-round extra protection to cover the sudden and unexpected effects of an accident. It also provides Travel accident coverage on a short term or permanent basis. High Limit ADD Insurance offsets the temporary and long term financial aspects of accidental death or accidental bodily injury to the insured. Travelers, war correspondents and tour groups can also benefit from this insurance.

Private Placement Life Insurance

Private placement life insurance is a form of variable universal life insurance offered privately, rather than through a traditional life insurance carrier. The primary advantages of private placement life insurance are the tax benefits and investment options. Because it is a life insurance product, it capitalizes on the income tax.

Most private placement life insurance policies are available through carriers outside the United States; therefore, their products often do not include significant sales loads and commissions. In addition, private placement life insurance carriers rarely engage in advertising. These reduced costs enable the carrier to provide high net worth client’s life insurance at a reduced cost.

are going to make a good choice when purchasing life insurance, you need to understand what type of policies are available. If one type of policy does not fit your needs, then ask and find out about other available policies, many of which are described in this brochure.

You can research more information on life insurance policies by checking with a licensed life insurance agent or a licensed life insurance company. You can also consult life insurance books that are available in your public library, as well as life insurance information available on the Internet. The California Department of Insurance (CDI) has a toll-free Hotline and Web site that can provide further information and assistance on life insurance.

Key Man Life Insurance

Key Man is a life insurance policy taken out by the business as a beneficiary in the event of death or disability to a particular key employee. This type of policy is also called: key executive coverage, key person coverage and key employee coverage.

The policy works by paying the business in the event of the death or disability of a person who is so important to the business that their loss could destroy the business. The policy is a cheaper option than standard life or disability policies because the policy can be purchased with a "first to die" provision and cover multiple key employees.