Permanent Coverage
D Smith Financial
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Insurance
Products & Services
Life Insurance is designed to build a legacy for your family. It is an effective way to leave tax-free income to your loved ones, an organization that you value, such as a non-profit organization or a church. One of the first steps to determine your Life Insurance needs is to budget, including all expenses, such as monthly recurring expenses and mortgage, in addition you financial needs to replace or supplement income needs of the surviving spouse and family members.
D. Smith Financial
Detroit MI, 6/10/2021
A Universal Life Insurance Policy gives you access to:
Universal life is common among individuals who are entering their prime earning years, as well as for investment-savvy people who are willing to take on some additional risk.
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Accelerated Death Benefits
Enables you to gain access to a portion of your death benefit in the event of a terminal or chronic illness.
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Learn more about our full line of products and services to meet your needs.
Flexible Premiums and Benefits
Option to change the premium payment amount, adjust payment frequency and the death benefit amount.
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Learn more about our full line of products and services to meet your needs.
A Whole Life Policy Provides You With...
Whole life is a widely used option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection.
Insurance coverage that is guaranteed and will lasts for the rest of your life
No increase in Premium payments, guaranteed not to increase
Cash value with the potential to grows on a tax deferred ** basis
A pre-determined benefit to be paid to your designated beneficiaries at your death
What Type of Insurance Works for You and Your Family?
Select an Insurance Type to view more information
Whole Life
Term Life
Universal Life
Whole Life
Whole Life Insurance: Whole life is a widely used option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection. People often purchase whole life insurance to:
- Obtain coverage with no medical exam
- Have money to cover final expenses
- You can supplement existing life insurance coverage
- Whole Life allows you to build cash value in the event of an emergency
- You can provide a gift for someone or to an organization that is important to you
Term Life
Term life: Term Life is an option used most often for newlyweds, young parents, working people, and homeowners. Many people often purchase term life insurance because they want to:
- Supplement lost income in the event of death during prime earning years
- A spouse passing away prematurely
- Protect and pay off their family’s home mortgage
- In the event of the primary/secondary income earner’s death
- Leave an emergency fund for their loved ones
- Children or spouse
- Eliminate Personal debts
- Credit Cards, loans
- Assist in providing for a child’s education fund
Universal Life
Universal Life: Universal life is common among individuals who are entering their prime earning years, as well as for investment-savvy people who are willing to take on some additional risk. These individuals often purchase universal life insurance to:
- Have flexible protection which can be adjusted as their life circumstances change
- Is there to aid in replacing lost income at death
- You can access the tax-deferred cash value for retirement or education expenses
- It can be used to create an estate or business plan
- Enables a person to build and protect a legacy