Protecting Your Future With Tailored Insurance Solutions
At Centerstone Health & Benefits Agency, we offer tailored life insurance and annuity solutions to protect your family and secure your financial future. Explore our options and find the right plan for your needs.
Find the Right Life Insurance Option
Life insurance policies can help you in many ways, protecting your family financially while also providing opportunities to build wealth. At Centerstone Health & Benefits, we will work to understand your financial situation and help you design personalized solutions to protect and prosper.
Term Life Insurance
Term life insurance offers an affordable way to protect your family for a set period, with options ranging from 10 to 30 years. Beneficiaries receive the death benefit tax-free, and fixed premiums provide peace of mind. Many policies also allow for conversion to permanent life insurance without a medical exam.
Whole Life Insurance
Whole life insurance provides a death benefit and a cash value that grows over time, offering financial flexibility. Policyholders can use the cash value for loans or withdrawals without tax consequences, or surrender the policy for a lump sum if no longer needed. It combines protection with long-term savings.
Universal Life Insurance
Universal life insurance offers lifelong coverage with tax-deferred growth. The cash value accumulates with interest, and policyholders can adjust premium payments as needed. Beneficiaries typically receive the death benefit tax-free, making it a flexible, long-term solution.
Indexed Universal Life Insurance
Indexed universal life insurance combines a death benefit with a cash value tied to a market index, allowing for potential growth. Policyholders can adjust premiums, access the cash value through loans or withdrawals, and benefit from interest tied to market performance, without direct market exposure.
Find the Right Annuity Solution
Whether you're saving for retirement or looking to create guaranteed retirement income, an annuity can be an important part of your financial plan. At Centerstone Health & Benefits, we will work to understand your financial situation and help you design personalized solutions to protect and prosper.
Fixed Annuity
An income annuity provides a steady, reliable income, similar to a pension. Payments begin shortly after setup and can be customized to meet your financial needs, offering a secure monthly income stream.
Deferred Annuity
Deferred annuities allow for future income, with premiums growing tax-free until payouts begin. They provide a stable, predictable savings approach, offering guaranteed income at a future date, perfect for long-term financial security.
Joint & Survivor Annuity
A Joint and Survivor Annuity is a form of annuity that offers a continuous source of income to a couple while both are alive, and subsequently to one partner upon the passing of the other. This type of annuity is structured to provide a financial safety net for the surviving spouse.
Immediate Annuity
An immediate annuity is a financial tool that converts a large sum of money into a steady stream of income. This product is commonly used by individuals in or approaching retirement, to supplement their other sources of income.
Plan for Tomorrow, Today
Let us help you find the right insurance or annuity plan. Contact us for a personalized quote.