• Term Life is one of the simplest, most cost-effective types of life insurance. Term Life policies provide the largest immediate amount of protection for the lowest cost.

  With Term Life, your beneficiaries are paid the entire amount of your policy (subject to your policy's provisions) if you die during the term.

  People who purchase Term Life generally have a substantial need for insurance protection during a specific period of time. They may be young and have growing families, and need temporary protection now with the option to convert to permanent coverage when their family circumstances change.

• Whole Life insurance combines life insurance protection with the advantages of tax-deferred cash accumulation.

  In addition to providing a death benefit, a Whole Life policy guarantees that your premiums will remain level throughout the life of the policy.  People who purchase Whole Life generally want to ensure that when they die, money will be available to pay final expenses, fund college costs, pay estate taxes, care for an elderly parent, or simply allow loved ones to maintain their lifestyles.

• Universal Life insurance combines life insurance protection with the advantages of policy flexibility and tax-deferred cash accumulation.

  The difference between Universal Life and other forms of permanent coverage is the flexibility it offers. Within certain limits, policy owners can increase or decrease their death benefit according to their changing needs without having to purchase a new policy. Likewise, owners can increase, decrease, or cease paying premiums altogether once the policy has sufficient cash value.

  Like people who buy Whole Life insurance, people who purchase Universal Life generally want to ensure that money will be available to pay final expenses, help fund college costs, pay estate taxes, care for an elderly parent, or simply allow loved ones to maintain their lifestyle.

Bajorek Insurance Agency Inc.
3462 Monroe Ave
Pittsford, New York 14534

585.248.3810
877.427.3302 toll free