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Life Insurance

Life insurance may be one of the most important purchases you’ll ever make and is an important component of any sound financial plan. Life insurance can help provide for the people who depend on you financially. In the event of a tragedy, life insurance proceeds can help pay bills and daily living expenses, cover debts and mortgages, continue a family business, ease funeral costs, finance future needs such as your children’s education or even protect your spouse’s retirement plans. Some life insurance products even build cash value and can often show great returns.

FICG offers a comprehensive portfolio of life insurance products from the top insurance carriers that have been designed to be extremely competitive and provide real value. There are several types of life insurance to choose from. How much you need and what type is right for you depends on your current needs and circumstances and those for the future. Whether you are looking for guaranteed death benefit protection, low-cost coverage or consistently strong cash value accumulation potential, First Infinity Coverage Group has a product that will meet your needs!

Whole Life Insurance

Whole Life Insurance provides permanent protection for your beneficiaries that combine life coverage with an investment fund. Here, you're buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company.

Cash value builds tax-deferred each year that you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn't change throughout the life of the policy. Learn more about Whole Life Insurance and available products by clicking here.

Universal Life Insurance

Universal Life Insurance is a type of permanent insurance policy that combines term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don't guarantee a certain rate. Universal Life pays a death benefit to the beneficiary you name and provides premium and face amount flexibility. It provides market rates of interest on your cash value account and tax deferred accumulation. Learn more about Universal Life Insurance and available products by clicking here.

Term Life Insurance

Term Life Insurance is designed to meet needs for a set "term" or number of years. Term life insurance is often the most affordable coverage because it only offers protection for a specific number of years (hence "term"); commonly 1, 5, 15, 10, 20 or 30 year periods. It pays the face amount of the policy if you die during the term, however, term insurance has no cash surrender or loan value. Premium costs also generally increase with your age. Learn more about Term Life Insurance and available products by clicking here.

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First Infinity Coverage Group, Inc. • Insurance and Financial Services
1400 Wantagh Avenue • Suite 101 • Wantagh, NY 11793
T 516.882.1226 • F 516.804.6445 • E

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