Life Insurance

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Life Insurance

A life insurance policy guarantees that the insurer (insurance company) pays a sum of money to a named beneficiary/ies when the insured individual dies, in exchange for the premiums paid by the policyholder during their lifetime.

There are several different types of life insurance policies depending on your needs and preferences. Depending on the short- or long-term needs of the person to be insured, the major choice of whether to select temporary or permanent life insurance is important to consider.

Term Life Insurance

Term life insurance is a type of policy that expires after a certain number of years. Permanent life insurance is a type of policy that remains active until the insured dies, surrenders the policy, or stops paying their premiums.

Nucleus Term Life Insurance
Nucleus Whole Life Insurance

Whole Life Insurance

A Whole Life insurance policy is permanent life insurance that accumulates cash value for the policy holder. Cash value life insurance permits the policyholder to use the cash value for several purposes. Policy holder may take a loan or use for cash purposes or even to pay policy premiums.

Universal Life Insurance

Universal Life is a type of permanent life insurance with a cash value component. This policy can earn interest, has flexible premiums and unlike term and whole life, the premiums can be adjusted over time. The policy maybe designed to have a level death benefit or an increasing death benefit.

Nucleus Universal Life Insurance
Nucleus Accidental Life Insurance

Accidental Life Insurance

The majority of people involved in an accident usually survive. It is more likely that one will experience a loss of a limb or a bodily function such as sight, hearing or speech in an accident.

Accidental death and dismemberment insurance, also called AD&D insurance, offers coverage for your family if you lose a limb and or die due to an accident. Let Nucleus Insurance put your mind at ease with the right AD&D insurance policy for you and your family.

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