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Life Benefits

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While many employees carry a basic term life plan, it may not be enough to provide the level of protection dependents need. As time goes on, families expand, expenses fluctuate ─ and financial responsibilities tend to grow. We at Tomei Insurance offer a wide range of life insurance plans that can supplement your
current coverage and offer more options to employees.

Provide life protection easily and affordably

Our life insurance benefits allow you to offer need life protection while also meeting your company's goals. Whether you choose employee-pad, employer-paid or shared funding plans, your employees will appreciate the opportunity to enhance their coverage since many employees do not have access to life coverage outside of work.

Our Life Benefits:

Term Life
Provides coverage during an employee's working years with high benefit options and the ability to increase coverage at enrollment events. Employees can take the protection with them if they change jobs.

Whole Life
Offers coverage that lasts through retirement and premiums that do not increase. Whole life can accumulate cash value, which employees can borrow from or use toward a paid-up policy at age 70 (no additional premium payments). A second option allows employees to pay smaller premiums through age 120.

Universal Life
Also provides coverage that lasts through retirement. If offers flexible premiums and the ability to increase or decrease the benefit as employee
needs change.

 Life benefits may include these additional options:
    ►   Spouse and family coverage
    ►   A "living benefit" if a covered individual is diagnosed with a terminal illness

    ►   Accidental death and dismemberment
    ►   Long term care coverage ─ and often increase the coverage amount later ─ with no health questions or physical exams
    ►   A waiver of premium benefit
    ►   Life Planning Financial and Legal Resources
    ►   A guaranteed issue amount, so employees can get a base level of coverage ─ and often increase the coverage
           amount later

Did you know?

        Nearly one third of consumers do not believe they have enough life insurance coverage. 1
        46% of Americans die with less than $10,000 in financial assets or none at all.
2

          1   LIMRA, 2012 Insurance Barometer Study
         
2  
James Poterba, Steven Venti and David Wise, Were They Prepared for Retirement? Financial Status At Advanced Ages in the HRS and Ahead Cohorts
            National Bureau of Economic Research 2012


Insuring: Gurnee, Waukegan, Zion, Mundelein, Libertyville, Grayslake, Antioch, Ingleside, Round Lake, Round Lake Park, Round Lake Beach, Beach Park and Great Lakes, Illinois as well as Kenosha, Racine and Pleasant Prairie, Wisconsin. Along with other areas in Lake County, IL and we are a short 40 miles north of downtown Chicago.





 
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Securities offered through Investment Planners Inc. Member FINRA/SIPC 226 W. Eldorado St., Decatur IL 62525, Tomei Insurance Agency is not affiliated with Investment Planners Inc
 Check the background of this firm on FINRA’s 
 BrokerCheck<http://brokercheck.finra.org/Firm/Summary/18557>.
Check the background of this investment professional on FINRA’s
BrokerCheck<http://brokercheck.finra.org>.
 
223 N. IL Route 21 (at Washington St) | Gurnee, IL 60031
Toll Free: (877) 336-8595 | Local: (847) 336-8595 | Fax: (847) 336-6598 |Email Us
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