- Life InsuranceThis product serves as a safeguard for families, ensuring their financial stability in the unfortunate event of the sudden demise of the primary earner. Life insurance is broadly categorized into two types. The first, Term Life, offers coverage for a predetermined duration, ranging from as short as 5 years to as long as 30 years. On the other hand, Whole Life insurance not only provides a death benefit but also functions as a savings plan. The market offers a plethora of products from various companies, each with its unique coverage type.
- Health Insurance“I would Highly recommend contacting Michelle if you are looking for health insurance. She literally saved us thousands of dollars right from the beginning. Her years of experience made the process very easy for us and she knew exactly what plan we needed to get the most value. Thank you Idaho Insurance Specialist for going the extra mile for me and the community!”
- Dental Insurance
- AnnuitiesAn annuity is an insurance contract offered by financial institutions, providing investors with a fixed income stream in the future. It can be purchased through monthly premiums or lump-sum payments. Annuities are commonly used for retirement planning to mitigate the risk of outliving savings. Annuities can guarantee a steady income, typically for retirees. They involve an accumulation phase where investors contribute either a lump sum or periodic payments. Annuities come in different types, such as immediate or deferred, and can be structured as fixed or variable. Let us know if you are interested in talking about lazy money.