Permanent protection
Evaluate lifetime coverage, funding commitments, guarantees, and the role of cash value.
BEYOND SIMPLE TERM
When your goals need a more considered design.
Build, review, and refine life insurance around lasting protection, care needs, a business, or the legacy you want to leave.
Request an Advanced Life Review
A plan that reflects your priorities.
Conversion and living benefits
Review conversion deadlines and available options, as well as benefits that may help with qualifying care needs.
Policy optimization
Examine in force illustrations, costs, loans, ownership, beneficiaries, and funding sustainability.
KNOW BEFORE YOU DECIDEThe details matter.
The details matter.
So do the tradeoffs.
Illustrations are not promises
Non guaranteed values depend on assumptions that can change. Compare guaranteed and non guaranteed outcomes.
Loans and withdrawals
Accessing policy value can reduce benefits, create charges or taxes, and increase the risk of lapse.
Replacing coverage
New underwriting, surrender charges, contestability periods, and loss of existing benefits may make replacement unsuitable.
Important considerations
Policy terms, charges, riders, and guarantees vary. Tax outcomes depend on policy structure, funding, distributions, and law. Coordinate any changes with qualified tax and legal professionals.
M. H. LeBlang Insurance Services is not the issuing insurance company and does not guarantee the contract. Any contractual guarantees depend on the issuer’s claims-paying ability and the terms of the contract.
M. H. LeBlang Insurance Services and the licensed insurance producer may receive commissions and other compensation from the issuing insurance company. Compensation varies by product and carrier and creates a financial incentive.
LET’S MAKE THE NEXT STEP SIMPLE
Schedule a ConsultationYou don’t have to figure it out alone.
Start with a conversation. We’ll help you find a path that fits.