"I'm Chase McIntyre, a Life and Financial Services Agent with Farmers Insurance Group, serving Owasso, Oklahoma. Specializing in life insurance planning, wealth accumulation, and financial security, I help individuals and families in Oklahoma, Missouri and Kansas, particularly the Owasso area develop comprehensive strategies. If you're seeking affordable life insurance quotes, guidance on retirement planning, or strategies to protect your family's financial future, I'm a dedicated resource. Contact me to build a solid financial plan tailored to your needs in Owasso, Oklahoma."
Robert “Chase” McIntyre Agent # 08605N
Affordable Term Life Insurance
Affordable Term life insurance provides a payment to the insured’s beneficiaries, known as the death benefit, if the insured dies while covered. Term life insurance typically has the lowest initial premium for a given amount of coverage. Premiums are guaranteed not to increase for ten, twenty or thirty years, depending on the policy the You choose. Premiums are subject to change after the initial level premium period, based on the age of the person insured by the policy. Coverage can continue until the policy term ends at age 90, though few people choose to keep a term insurance policy in force that long as its cost increases. Farmers Life® term life policies generally allow you to convert to permanent coverage during the early years of the policy, giving you important options if your life insurance needs change.
Whole Life Insurance
Whole life insurance is a type of permanent insurance. It is designed to provide a lifetime of guaranteed coverage, with guaranteed level premiums and guaranteed cash value, as long as all required premiums are paid.
Premiums are payable to age 100, while coverage continues to age 121. If the covered insured outlives the policy, at 121 years of age, the policy pays out its guaranteed cash value, minus any outstanding loan value.
The cash value of a whole life policy is guaranteed and the balance can help provide many financial options. The policy owner may borrow from the cash value of the policy or cancel (surrender) the policy for the cash value
Universal Life and Indexed Universal Life
Universal life insurance offers the advantages of permanent insurance coverage with flexibility in the death benefit and the amount and timing of premium payments (within limits), which can help families with changing needs.
You choose how much premium to pay and when to pay it. The cash value accumulates in a separate account, earning generally income tax-deferred interest. Each month, policy costs are deducted from that account.
You may choose to pay more premium for greater cash value accumulation, or choose to reduce or suspend the premium payments and allow the cash value to cover the monthly charges. As with whole life insurance, customers may also borrow from the cash value of the policy, or surrender the policy for the cash value.
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One thing you should know. I will never push products on you that I don’t think you need, that is not an agents job. My job is to listen to your situation and analyze it against needs to develop a tailored life and financial plan so you can spend your time with those you love and doing the things you love.
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