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Life Insurance

Term Life Insurance

Term insurance provides protection for a limited period of time, such as 10, 15, 20, or 30 years, and pays a benefit if the insured dies during this period. Although term policies typically do not accumulate cash value, many do offer a feature that allows you to convert to a permanent policy within a certain time. This can be beneficial if you’d like to buy a permanent policy but your budget right now does not allow it, or you like having the option to convert to a permanent policy later on.

The companies we represent not only are among the industry’s most financially stable but also offer an array of policies that provide us the ability to offer great rates for those with or without significant pre-existing health conditions, but do not allow severe health issues to keep you from seeking a policy, we also represent companies that offer a no medical exam life insurance policy that we can work with for you as well. Most tobacco users can even qualify for preferred rates!

Please keep in mind that these products, and all of their features, benefits and riders, may not be available for sale in your state. Please contact us for more information about these and other products.

Universal Life Insurance

Universal life insurance can help meet the needs of people who desire long-term death benefit protection with a flexible premium structure.  Features include:

• Protection you can guarantee for your short periods based on premiums paid, your lifetime or any period you choose

• Choices in how and when you make your premium payments and how much to pay

• Two or three death benefit options for additional flexibility

• Potential for non-guaranteed tax-deferred cash value accumulation

Please keep in mind that these products, and all of their features, benefits and riders, may not be available for sale in your state. Please contact us for more information about these and other products.

Child Riders

Most companies offer insurance for children as a rider to their parent’s policy. The requested amount is added to the parent’s policy premium each year. Generally, the coverage provided is to all dependent children in your household, ranging in age from 6 months to 21 (there are some specific company details). If you request 10 units = $10,000 and the charge per thousand is $6.50, then the annual premium will be $65.00 per year, regardless of the number of children in your household. Please don’t hesitate to contact us with any questions you may have.

Tobacco Use

Goldsmith Insurance Agency maintains an array of life insurance plans that offer numerous options for tobacco users. Our programs can save you money based on the type of tobacco used and frequency of use. We have companies that offer lower “preferred”  rates for smokers and special programs with “non-smoker” rates for cigar, pipe and smokeless tobacco use. Many of our competitors simply treat all tobacco users the same eliminating any potential savings but we have companies that offer competitive preferred tobacco. Call 877-400-0484 to request a quote.