LUNDGREN
Insurance Agency


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 Insurance: Value 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.
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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.
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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.
