Income Replacement And Your Earning Power
CIS can provide businesses and individuals with financial protection through life and disability insurance products. We help clients understand their specific financial needs and develop insurance plans to protect their interests.
Products
- FAMILY PROTECTION
- KEY PERSON
- BUY/SELL
- ESTATE PLANNING
- LONG TERM CARE
- DISABILITY
- BUSINESS INCOME
Services
- NEEDS ANALYSIS
- FINANCE SERVICES
- CONSULTING
- RATE COMPARISONs
Indexed Universal Life Insurance vs. Whole Life Insurance
IUL Policy Features:
- IUL offers upside growth in the market and downside protection
- fixed or variable loan rates
- non-guaranteed, superior historical rate-of-return potential
- flexible premium payments
- for same premium dollars, IUL generally produces a higher death benefit when compared to WL and UL
- guaranteed cash values of IUL generally underperform the guaranteed cash values of a WL policy
- annual increase in policy expenses
- IUL is a savings vehicle, not an investment vehicle
WL Policy Features:
- only cash value product that can lay claim to cash value guarantees
- steady growth rate
- fixed loan rate
- costs do not go up every year
Cosult with a licensed life insurance professional (Chesapeake Insurance) to determine what is right for your specific needs.
