The right Life Insurance
for you and your family!

Mike Gissell Insurance - Life Insurance South Austin

Life Insurance
Life insurance is pivotal in planning the future for your family and you.
Life insurance provides for the future welfare of your family should you not be there to provide for them.  Don't place your family in harm's way. Mike Gissell can help you find the policy that is right for you.  Life does not remain the same so neither should your life policy.
Life circumstances change as time goes by.

The right Life Insurance will be unique and will depend on personal and financial needs.  As your life changes your life insurance may need to change to keep up with your current needs.  Some life changes may require a life insurance“tune up”, including the following:

you or your spouse receive an inheritance
you recently married or divorced
you have a new child or grandchild
you opened or expanded your business
you are concerned about retirement
you recently purchased a new home
you are providing financial assistance and care to a parent
your health or your spouses health has deteriorated
you have refinanced you home in the last 6 mos.
You are planning for a child or grandchild's education
you have a child or grandchild requiring assistance or long term care

What you need to know:
There are several types of life insurance available. Mike Gissell will listen to your needs and help you find the right insurance for your life circumstances.

Term Life Insurance 
This is life insurance which is issued for a specified period of time.
Term life is the lowest priced life insurance and is a good product for your first policy.
Time periods vary from 1 year renewable, 10, 20 and 30 year fixed premiums.
Many term policies are convertible to permanent life giving you added flexibility as your life changes.

Whole Life Insurance 
This is a permanent policy that will run your full lifetime as long as premiums are paid. Whole life can represent a good investment because you may build cash value available to you for future needs.

Universal Life Insurance 
Permanent life insurance with flexible premiums and face amounts. Some universal life policies can build cash value which may earn interest at a certain adjustable rate with a guaranteed minimum.

Key Man Life Insurance 
This is insurance for protection of your business by enabling partners to buy out the interests of a deceased partner and prevent a forced sale.

Benefits of Life Insurance:

Death Benefits:
When you pass away your life insurance provides tax free income for your beloved beneficiary. These funds can be used to pay estate taxes, tuition and funeral expenses. Life insurance provides for the needs of your loved ones.

Living advantages:
Whole life can earn cash value which is tax deferred. You do not pay taxes on the interest increase until it is withdrawn. Funds can be taken in the form of a loan or withdrawal against the cash value to help with expenses like college or a down payment on a home or other for investments.

Which life insurance is the best for you?  Call Mike Gissell today and let's get started securing your family's future.

Need more info? Ready to buy?
Call Mike at 512.925.8801

Contact Mike Gissell

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