The many uses of life insurance today extend far beyond just death benefits.
Life insurance can do some pretty amazing things for people.
Once we determine your need is temporary, permanent, or a combination of both, then we can help select the most appropriate policy for you and your family’s needs and goals. By representing a multitude of highly rated carriers, we provide personalized service to ensure your planning for life insurance is based on informed choices.
We look at ALL health conditions to provide you with the best opportunity for a competitive offer. Whether you are healthy or have a difficult health history, we specialize in obtaining the best possible underwriting outcome for you. We have extensive knowledge of and experience in our relationships with carrier underwriters.
I have been a client of Kay Winkler for many years. Kay is the perfect blend of professionalism and compassion that is needed in an insurance agent. I was nervous to sign up for life insurance and I didn't understand the process. Cost was an issue for my family, as we were expecting a baby during that time. Kay put our mind at ease immediately and understood where we were financially. She made the sign-up process as smooth as possible.
types of life insurance
TERM LIFE INSURANCE
Term Life provides protection for a specified period of time, typically 10, 15, 20, 25, or 30 terms are available, provides death benefit only with no cash accumulation. The “new” term insurance policies today can also give you early access to policy benefits should you become stricken with a chronic, critical or terminal illness.
WHOLE LIFE INSURANCE
Whole Life is designed to protect insured their whole life as long as premiums are paid, death benefit is fixed, accumulates cash value, loans are available.
UNIVERSAL LIFE INSURANCE
Universal Life is another form of cash value life insurance, offers greater flexibility in premiums paid, offers a level death benefit or an increasing death benefit, loans and partial surrenders are available.
VARIABLE LIFE INSURANCE
Variable Life insurance where the death benefit is fixed, designed to compete with other investments, investment risk is on the policy owner, cash value growth is not guaranteed, loans are available.
FINAL EXPENSE LIFE INSURANCE
Final Expense Life is a whole life policy typically purchased by seniors to pay burial expenses. The death benefit is guaranteed and death benefits usually range from $10,000-$25,000, simplified underwriting is offered with no medical exams, some policies are guaranteed issue.
SKW Insurance is a woman-owned small business. Kay Winkler is an independent insurance broker based in the Raleigh, Durham, Chapel Hill area of North Carolina, while also currently licensed in 35 states.