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LIFE AND PROTECTING YOUR FAMILY

Life insurance is one of the most important things you can buy to cover and protect your family.  It's not only affordable, but you never know what life is going to hand you. You always want to protect the ones you love and never leave them grieving the loss of you and in a financial debt.  Please take the time to come in and let us show you how for less than two gourmet coffee's a month we can show you an affordable plan that will work for you and your young family, so that you can make sure they are covered and protected.

                            Why our Life Insurance is amazing?

* Unlike most WORK GROUP LIFE our LIFE INSURANCE stays with you FOR LIFE!!!  ALL our Life Policies come with a FREE ACCELERATED DEATH BENEFIT (usually around $150,000 and tax free) so money is not an issue* What you are rated at approval you keep for life (regardless of health conditions at renewal* Life is one of our biggest discounts off a home, auto and any other insurance policy you have with the Lundgren Agency, sometimes a small  life can even be free!

Lets describe and explain some benefits of some of our most popular LIfe Insurance policies we offer.  Remember, we have several options when it comes to Life Insurance.  Please call us or come in so we can discuss what option is best for you and your family.

TERM LIFE

There are two types of Term Life InsuranceValue and Simple

Term Life Insurance offers level premiums for a specific period of time generally 10, 20, or 30 years. The initial level premium tends to be lower than comparable permanent coverage, and proceeds may help your family financially if the unexpected happens when they still have major expenses.

Generally, the shorter the term, the less expensive term coverage can be. While premiums remain level for the term period, they will rise if you decide to continue the coverage beyond the level premium period.

VALUE TERM

Value Term Life Insurance proceeds can help support financial obligations with fixed end dates — like mortgages, car loans and college tuition.

  Here are some additional features:

​*  Coverage issued between the ages of 18 and

    75 years

*  A medical exam is required

*  10, 20 and 30-year level premium periods   

   with coverage starting at          

    $150,000 and no maximum.

*  A guaranteed death benefit that is generally   

    income tax-free

*  Guaranteed level premiums for initial term

   period

*  Conversion (within certain limits and 

    regardless of health) to permanent 

    coverage that may build cash value

SIMPLE TERM

Simple Term Life Insurance has an automated underwriting process, medical exams or lab tests are usually not required and you could get a decision in as little as one business day.

   Here are some additional features:

  *  Coverage issued between the ages of 18 and

      65 years

  *  10, 20 and 30 year level premium periods

      with coverage starting at 

     $75,000

 *  A guaranteed death benefit that is generally

     income tax-free

 *  Guaranteed level premiums for the initial term

     period

 *  Convertible (within certain limits and

     regardless of health) to Farmers Essential Life

     Simple Whole Life coverage that builds cash

     value.

WHOLE LIFE

If you like the idea of a policy that builds cash that you can access to help you with financial obligations. If you are looking for a way to protect your family's financial future with higher coverage levels.

 

 

 

Whole Life is permanent insurance that might be a better fit for you and your family.  As long as you continue paying your premium, it may be a way to help prepare for the future and provide for your family.  Please come in or call anytime and lets talk about  the different ways our Whole Life Insurance plans can help you reach your goals.

Accidental Death

Maybe you lost your job at 50 plus years old and lost your retirement or never bought life insurance and now that you are older can't afford it. Whatever your situation maybe, we can help.  Our Accidental Death has a quick approval process without health questions or exams.

Accidental Death Insurance can help with benefits that range from $37,500 to $200,000 in the event of a covered accident.  Proceeds may be paid up to $1 million in certain circumstances. 

Choosing Life Insurance is so important.  Whether its choosing Life Insurance for your loved ones incase of an accident so they don't suffer a financial burden, setting up a Whole Life Insurance plan for your children that will earn interest as they grow and provide income for a college fund,  setting up a Universal Life policy for your grandchildren instead of so many Christmas and Birthday presents your wanting one of those gifts to be a deposit towards their future, or maybe you didnt take out Life Insurance earlier and you just need burial expenses covered so you don't leave your family with a large expense.  Whatever your need is, the Lundgren Agency is here to help make your Life Insurance choice perfect for what you and your family need.  Please come by or call us any time.  We are always here to assist  you.

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