Insurance

Life Insurance Tailored to Your Needs

The Importance of Life Insurance

At Capitol Financial Solutions, we believe life insurance is integral to building your financial house. It's important to protect the life you've built for yourself. You are an income-generating asset! Take care of your loved ones and ensure they are provided for in the event of your unexpected disability or death. If you would like help discerning the best life insurance choice for you, contact us today or visit one of our locations in McDonough, Georgia.

Common Life Insurance Policies

Term Life

Term life insurance provides coverage for a specific time frame or “term.” The typical terms range between 10 to 30 years but can be more or less. This is often the most popular option because it's affordable and can be converted to a whole life policy later.

Whole Life

Whole life insurance provides coverage for your “whole” life. This policy covers your dependents, maintains premiums, and builds cash value the longer you live. You can also borrow from the cash accrued while still living to pay for emergency expenses.

Universal Life

Universal life insurance is one of the most flexible life insurance policies because you get to choose what you pay and how often you pay it. This policy also gains cash value like a whole life policy and will earn interest along the way.

Long-Term Care

Long-term care insurance generally covers care not paid by health insurance, Medicare, or Medicaid. There are both traditional and hybrid long-term care policies. Contact us to help determine what type of long-term care insurance is best for you.

Disability Income

Disability income insurance offers income for indiviuals who are no longer able to work due to a disability. This can help protect you from financial loss if an accident or illness renders you incapable of working and receiving regular income.

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Annuities

What is an Annuity?

The term annuity refers to an insurance contract issued and distributed by financial institutions with the intention of paying out invested funds in a fixed income stream in the future.

Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings (Investopedia). An annuity can be combined with other sources of retirement income. There are many different types of annuities with different costs and benefits. Annuities are not for everyone as they are not a one-size-fits-all solution. We'll work with you to see if it's a good fit for you.

Common Annuities

Fixed Annuity

Guaranteed interest rates.

Immediate Annuities

Guaranteed income stream.

Variable Annuities

Investment performance based.

Retirement Annuity

Accumulation during work.

Longevity Annuity

Long-term payouts.

Deferred Annuities

Tax-deferred growth.

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Accumulation during work.

Equity-Indexed Annuity

Mixed features.

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Tax-deferred growth.

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