Life Insurance can help protect your family. The recommended amount of life insurance q person should have approaches six to eight times their annual gross income. Under current laws, there is generally no federal income tax on death benefits paid to a named beneficiary. Please consult with your tax advisor.

We offer affordable term life and Glossary Link universal life insurance policies from many reputable companies.  Please complete the quote request for more information.

A term life insurance policy is life insurance Glossary Link coverage for a specified length of time usually 5, 10, 20 or 30 years. It is usually purchased with a particular need in mind, such as mortgage protection. Beneficiaries will receive the face value of the policy upon the insureds death. Term life will have the lowest Glossary Link premium, but there is no cash value and if the insured survives the time period, the policy expires.  Most policies will have a conversion feature permitting the policy-owner to exchange a term policy for a cash value policy without evidence of insurability. You can speak with one of our life insurance agents at (920) 849-4534 to discuss the policy features and options in more detail.

  • Universal Life Insurance Policy Information

Universal life is a flexible premium policy that combines protection against  death with a cash accumulation account that earns a market rate of interest with a guaranteed minimum rate of interest. The interest rate paid on the cash value typically is higher than Glossary Link whole life insurance because they trend with the markets. Premium payments for universal life insurance policies are very flexible.  They can be paid monthly with EFT, quarterly, semi-annually or annually.Each month deductions are taken from the cash value and interest and premium payments are added to the cash value.  As long as there is sufficient cash value to maintain the monthly costs, the policy will remain in force.

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Van Dyn Hoven Insurance Agency    |    534 Pine Street    |    Little Chute, WI  54140
Phone: 920.788.3530    |    Fax: 920.788.5946    |    800.525.0769    |    Email: info@vdhinsurance.com
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