Life & Financial Services
Ensure that your family is prepared by securing their financial future today. Richard Dean has over 16 years experience, you can be sure that you are receiving accurate advice.
Life Insurance
Life insurance is something that everyone needs but few people really want to discuss it. One of the most important reasons to purchase life insurance is to ensure your loved ones are provided for financially. Life insurance is also useful in helping your survivors pay bills and debts after your death, as well as funeral expenses. It may be used for wealth accumulation and distribution as part of an overall financial strategy. If you do not have any dependents, you may still want to buy life insurance to minimize tax consequences for charitable contributions.
Don’t hesitate to speak with one of our knowledgeable and experienced staff when you have questions and concerns about Life insurance. You can always depend on us to assist you in finding the right insurance plan for both you and your budget. Contact us today to schedule an appointment with us.
What Is Term Life Insurance?
Term life insurance pays your beneficiaries the agreed upon amount in your policy if you pass within a set amount of time. Terms are typically 5 to 30 years. The shorter the term, the less expensive the policy premiums will be.
Often, individuals purchase term life insurance when they are young and switch to permanent life insurance later when they have more income. Richard Dean Insurance has several term policy options including simplified issue (no medical exam or bloodwork).
What Is Permanent Life Insurance?
A permanent life insurance policy lasts the duration of your lifetime and pays your beneficiaries the amount specified in your policy upon death. The cost of a permanent life insurance policy is more than a term policy, but you can also accrue cash value in your policy. With Permanent Life insurance, you may even be able to borrow or withdraw cash against your life insurance policy.
Financial Services & Retirement Planning
Many of us have been waiting for retirement for a long time. Plan for your retirement now so that when the time comes, you can sit back, relax, and enjoy where you want to be. Richard Dean Insurance offers comprehensive retirement planning options.