Articulo de la semana
What is Auto Insurance?

It is an agreement between you and your insurer in which you pay the insurance company a certain amount of money an...

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What Does Homeowners Insurance Protect?

Each home insurance policy is different, but standard policies usually provide:

  • Broad coverage for dam...
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Additional protection for valuables

You can increase your limits for items such as jewelry, furs, firearms, gold or silverware. For example, if you were...

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TERM INSURANCE
MOTORCYCLES AND ATVs
Term life insurance policies offer insurance protection for a specified term or period of time - typically, one, five, 10, 15, 20 or 30 years, or until a specific age (such as 65). Premiums may increase each year (annually renewable term) or remain level for a set period (level term), and the insurance is generally less expensive than permanent (cash value) life insurance.

At the end of the term period the policy may contain a provision permitting it to be renewed without a medical exam, although the premium rate probably will be higher. Some term life insurance policies include an option to convert to a permanent life insurance policy.

Term life insurance is typically purchased by individuals who need insurance coverage for a temporary period of time (e.g. mortgage coverage) - or who need a large amount of life insurance at the lowest possible cost.

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FINAL EXPENSE INSURANCE

Final expense insurance is an insurance policy used to pay for funeral services and a burial when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies. if you need this insurance contact with Aztec Insurance or get a free Quote Now.

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UNIVERSAL INSURANCE
Universal life policies offer the policy owner more flexibility than whole life insurance - the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums. As needs change, the amount of coverage and premium paid may be adjusted subject to certain limitations. Premium payments are credited to a cash value account where the money earns tax-deferred interest at a rate set by the company, which may be higher than the minimum rate guaranteed in the policy. Policy expenses and cost of insurance charges are deducted monthly from this cash value account. Generally, cash values can be accessed by the policy owner through policy loans and withdrawals (charges may apply).

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WHOLE LIFE INSURANCE
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A whole life insurance policy provides a guaranteed death benefit and guaranteed cash values. The premium may be level or increase after a fixed period, but the premium will not change from the scheduled premium at issue. Part of each premium payment is applied to the policy's cash value account, which grows on a tax-deferred basis¹. In some cases, whole life policies may also be entitled to policy dividends, declared from the insurer's surplus, and an excess-interest whole life policy may earn an additional amount of interest after a specified period of time. Policy dividends and excess interest payments are NOT guaranteed.

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DENTAL INSURANCE
Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.

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VISION INSURANCE
One of the best values in employee benefits today is vision care insurance. It's a low-cost benefit that almost all employees need. After all, how many people do you know who don't need glasses? Vision care insurance from Principal Life Insurance Company (The Principal®) covers regular eye exams, as well as glasses and contacts.

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