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{"id":1661,"date":"2021-04-27T22:50:26","date_gmt":"2021-04-27T22:50:26","guid":{"rendered":"http:\/\/www.d-smithfinancial.com\/?page_id=1661"},"modified":"2021-06-10T13:04:27","modified_gmt":"2021-06-10T13:04:27","slug":"products-services","status":"publish","type":"page","link":"https:\/\/www.d-smithfinancial.com\/products-services\/","title":{"rendered":"Products & Services"},"content":{"rendered":"\t\t
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Insurance
Products & Services<\/h2>\n\t\t\t\t\t\t\t
<\/span><\/span><\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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.<\/div>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\tD. Smith Financial<\/strong>\n\t\t\t\t\t\t\tDetroit MI, 6\/10\/2021<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\t\tSpecial Announcement<\/span><\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t \"brainstorming\"\t\t\t\t\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t \"finance-puzzle\"\t\t\t\t\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t \"Life\t\t\t\t\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t \"wheelchair-laptop\"\t\t\t\t\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t \"money-coins\"\t\t\t\t\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<\/section>\n\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A Universal Life Insurance Policy gives you access to: <\/h2>\n\t\t\t
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.\t\t\t<\/div>\n\t\t<\/div>\n\t\t
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Permanent Coverage<\/div>\n\t\t\t\t\t\t\t

When you pay your premiums on time monthly, bi-weekly, your coverage lasts your entire lifetime.<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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Products & Services<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t
Learn more about our full line of products and services to meet your needs.<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
\n\t\t\t\t\t\t<\/span><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> \n\t\t\t\t\t\t
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Tax Advantages<\/div>\n\t\t\t\t\t\t\t

Tax-Free Income death benefit, tax-deferred cash value accumulation & tax-free policy loans\/withdrawals.<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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Products & Services<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t
Learn more about our full line of products and services to meet your needs.<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
\n\t\t\t\t\t\t<\/span><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> \n\t\t\t\t\t\t
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Accelerated Death Benefits<\/div>\n\t\t\t\t\t\t\t

Enables you to gain access to a portion of your death benefit in the event of a terminal or chronic illness.<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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Products & Services<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t
Learn more about our full line of products and services to meet your needs.<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
\n\t\t\t\t\t\t<\/span><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> \n\t\t\t\t\t\t
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Flexible Premiums and Benefits<\/div>\n\t\t\t\t\t\t\t

Option to change the premium payment amount, adjust payment frequency and the death benefit amount.<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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Products & Services<\/a>\n\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t
Learn more about our full line of products and services to meet your needs.<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
\n\t\t\t\t\t\t<\/span><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> \n\t\t\t\n\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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01<\/span><\/div>\n\t\t\t\t\t
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Life
Insurance<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t
  • Whole Life Insurance<\/li>\n
  • Term Life Insurance<\/li> \n
  • Universal Life Insurance<\/li>\n<\/div>\n\t\t\t\t\t\t
    <\/span><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
    1. <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t
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    Disability
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  • Income Protection<\/li><\/div>\n\t\t\t\t\t\t
    <\/span><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
    2. <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t
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    Long-Term Care
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  • Insurance to cover a Long-term Care Need (In Home or Facility)<\/li><\/div>\n\t\t\t\t\t\t
    <\/span><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
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    Medicare
    Insurance<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t
  • Age 65 and up or under age 65 with a disability<\/li><\/div>\n\t\t\t\t\t\t
    <\/span><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
    4. <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t
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    Ancillary
    Insurance<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t
  • Cancer Policy<\/li><\/div>\n\t\t\t\t\t\t
    <\/span><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
    5. <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    A Whole Life Policy Provides You With...<\/h2>\n\t\t\t\t\t
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    Whole life is a widely used option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\tGuaranteed<\/strong>\n\t\t\t\t\t\t\t
    Insurance coverage that is guaranteed and will lasts for the rest of your life<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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    \n\t\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\tNo Increase<\/strong>\n\t\t\t\t\t\t\t
    No increase in Premium payments, guaranteed not to increase<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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    \n\t\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\tCash Value<\/strong>\n\t\t\t\t\t\t\t
    Cash value with the potential to grows on a tax deferred ** basis<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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    A pre-determined benefit to be paid to your designated beneficiaries at your death<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    What Type of Insurance Works for You and Your Family?<\/h2>\n\t\t\t
    <\/span><\/span><\/span><\/div>\n\t\t\t
    Select an Insurance Type to view more information<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    Whole Life<\/div>\n\t\t\t\t\t\t\t\t\t
    Term Life<\/div>\n\t\t\t\t\t\t\t\t\t
    Universal Life<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t
    \n\t\t\t\t\t\t\t\t\t
    Whole Life<\/div>\n\t\t\t\t\t