Business Partners

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LIFE INSURANCE

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Term Life Insurance (10; 15; 20; 30; 35 term life insurance) provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Final Expense for people whose can not purchase a standard life insurance protection.

  • Qualifying for Living Benefits policy:

    • Critical Illness ​= open heart surgery, angioplasty or myocardial infarction, life threatening cancer, stroke, major transplant, end-stage renal failure

    • Chronic Illness = Inability to perform two of the six activities of daily living (dressing, toileting, transferring, continence, eating, bathing)

    • Terminal Illness = Life expectancy of 12 months or less

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Richard Auto Insurance Agency can run

a multiple comparison quote from many insurance companies for free of charge and present with the best value and lowest price for you!!!

 

Office Location:

Metro 94 Business Center; 475 N. Etna Street, Suite 22

Saint Paul, MN 55106

Office: 651-756-7391

Direct: 651-354-3863

Fax: 651-756-7378

E-Mail: richard.lor2010@gmail.com

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