Life Insurance

Providing for your loved ones in the event of your untimely death is a key motivation for purchasing a life insurance policy, but there are so many more important benefits to owning life insurance today. Over the years the life insurance industry has developed significant enhancements and extended the scope of benefits to go well beyond just the tax-free death benefit to include “living benefits” for the insured. You no longer have to die to “win!”  

Our premiere carriers are now offering much needed cash benefits to policy holders who have been diagnosed with terminal, chronic, or critical illness. One of our elite carriers is also now offering benefits for qualifying critical injuries.

We offer a broad spectrum of life insurance contract types; including term life, whole life, guaranteed universal life, indexed universal life, survivorship universal life, and others. As an independent agent working with multiple carriers, we can offer the contract that best satisfies our client’s specific needs—unlike the captive agent who must solely provide the limited products currently in their stable of offerings. 

Many of our clients are using life insurance contracts to supplement their retirement income with projections of substantial tax-free incomes in their retirement years. Jemstone Financial Services will work with you to properly design the best policy for your specific need.

Business owners are using some of our enhanced leveraged cash value products as “Golden Handcuffs” to keep their top executives from leaving. Other business applications for life insurance include Key Man Insurance, Buy-Sell Agreements, and employee benefit programs.

Jemstone Financial Services is positioned to offer the finest products from highly rated companies to meet any of our clients’ needs ranging from family, to estate, to business, to retirement income planning.