Insurance is a Win-Win Proposition...
Combined with investments, retirement and estate
planning, life insurance is a fundamental part of a sound financial plan. Life
insurance helps to ensure that your family and loved ones are protected against financial
difficulties in the event of a premature death.
Tom Montgomery Insurance works with you
to develop a complete plan that will protect you and your family.
We provide a mix of products comprised of universal life
insurance, term life insurance, and participating whole life insurance, along with
Universal Life insurance offers the best of two worlds--a set amount of
coverage with a tax-deferred, cash accumulation account based on current interest rates.
This permanent insurance plan generally provides lower premiums for those people who have
life insurance needs which will stay relatively constant over their lifetimes, or who
desire the cash value build-up universal life policies can provide.
Variable Universal Life insurance offers the security and tax advantages of
life insurance coupled with the growth potential of equity investing. This life insurance
product offers a unique way to preserve your assets from current taxation, transfer them
to your beneficiaries, and accumulate additional assets at the same time.
Joint Survivor Universal Life generates the liquidity to cover estate taxes after the
death of the surviving spouse, allowing you to take full advantage of the estate tax
marital deduction. Competitively priced for older ages (60 and up), this product offers an
excellent, cost effective solution to a very expensive problem. While the policy covers
both lives, the benefit is paid upon the death of the surviving insured.
Term insurance products provide valuable short-term protection at an
affordable cost. Plans are available for 1, 5, 10, or 20 year periods of coverage.
All products can be renewed without providing additional medical information to age
99. When you decide that you need a more permanent form of insurance, some policies
can be converted into a whole life or universal life product without new evidence of
insurability on the converted amount.
Participating whole life product provides guaranteed benefits at an
attractive, competitive price.
Annuities are for you if accumulating funds for retirement is
your goal. As with all annuities, premiums accumulate on a tax-deferred basis
to maximize your benefit. Each product provides income options which will allow you to
take your money at the time annuity payments begin in the form best suited to you, whether
that be for regular payments over a specific period of time or an income guaranteed to
last your lifetime.
Tom Montgomery Insurance works to provide you with
protection and peace of mind! Our companies offer guaranteed level premiums and guaranteed
death benefits. We believe that life insurance is a win-win proposition for your life!
Click our winner's trophy to link with some great resources that can update
you on winning strategies for your life insurance coverage!