Name of the Organization : Branch Banking and Trust Company
Type of Facility : Apply for Insurance
State : North Carolina
Country : United States of America
Website : https://www.mcgriff.com/
Apply for Insurance :
Property Insurance :
** Homeowners Insurance
** Renters Insurance
** Condominium Insurance
Related : Branch Banking and Trust Company Register for Mobile Banking USA : www.statusin.org/24009.html
** Collectibles
** Flood Insurance
** Pet Insurance
Vehicle Insurance :
** Automobile Insurance
** Recreational Vehicle
** Motorcycle & ATV
** Boat & Yacht
Life Insurance :
** Term Life
** Permanent Life
** Long-Term Care
** Disability Insurance
** Policy Reviews
Health & Accident :
** Health Insurance
** Disability Insurance
** Long-Term Care
** Medicare Supplement
** Supplemental Unemployment Insurance
** Dental Insurance
Risk Management :
** High Net Worth Services
** Collectibles
** Personal Excess and Umbrella
** Nonprofit Directors and Officers Personal Liability
** Boat & Yacht
** Pet Insurance
** Supplemental Unemployment Insurance
** Policy Reviews
Permanent Life Insurance :
** Permanent life insurance plays an essential part of any well-rounded portfolio.
It can provide you, your family or a business partner with income for :
** Retirement
** Charitable funding
** Estate planning
** Funeral expenses
** Our experienced insurance professionals can review your portfolio and help you determine where insurance fits into your overall financial protection plan.
Benefits :
** Permanent life policies offer both death benefits and a cash value.
** You may access these funds by cashing in your policy or borrowing against it for emergencies.
** The premiums for permanent life stay the same over the life of the policy.
** Benefits last a lifetime and do not expire like term insurance.
Coverage :
** Let one of our insurance specialists review your financial situation and help you determine the type of coverage that fits your financial and coverage needs.
** Traditional Whole Life guarantees your annual premium and there are minimum guaranteed cash values and death benefits.
** Universal Life offers premium flexibility from year to year, has maximum guaranteed premiums, and minimum guaranteed cash value and death benefits.
** Variable Life works well if you are a knowledgeable, risk-tolerant investor.
** It offers increased cash value, guaranteed annual premiums and minimum death benefits.
** There is, however, no guaranteed cash value and you have to direct the investments for your policy (from money market funds to aggressive growth funds.)
When to Buy :
** There is great peace in knowing you’ve provided for your family’s or your business’ long-term welfare.
To determine the insurance you need, answer these questions :
** Do you have debts your family will need to pay?
** Do you have college-bound children?
** Will your family need to replace your annual income?
** Will your family need to cover the cost of your funeral?
** How much money do you want to leave your heirs?
** Is there a family business that will need financial support?
Life insurance should never be purchased :
** solely as an investment (some of your premiums are used to buy death benefit coverage and to cover other administrative expenses)
** on children as a way to save for college
** before you and your spouse have all the coverage you need on yourselves
Term to Perm :
** A “Term to Perm Conversion” is an insurance policy where the insurer is required to renew or update the policy regardless of the insured’s health.
** This means no new health exam for you.
** A conversion privilege guarantees coverage and set premium payments for a certain number of years, regardless of your health status.
** Term life insurance policies usually offer the conversion privilege option.
** This option allows you to convert your term policy to a permanent policy that provides insurance for the rest of your life—even if you are diagnosed with a serious illness.