Life Insurance

Protect your family’s future with the right life insurance policy. Serving Virginia, Maryland, and DC area.

Don’t leave the future of your loved ones to chance. Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.
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Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Ghion Financial licensed professionals can help you find the right life insurance policy for you and help ensure that your policy meets your needs.

Life Changes. So Should Your Policy

The right life insurance policy will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs.

Some life transformations that may require a policy tune-up?

  • You recently married or divorced

  • You have a new child or grandchild

  • You have opened or expanded a business

  • Your health or your spouse’s health has deteriorated

  • You are providing care or financial assistance to a parent

  • Your child or grandchild requires assistance or long-term care

  • You recently purchased a new home

  • You are planning for a child or grandchild’s education

  • You are concerned about retirement income

  • You have refinanced your home mortgage in the past six months

  • You or your spouse recently received an inheritance

  • You have a sizable estate

Common Types of Life Insurance

There are several different types of life insurance policies available — the most common include the following:

Temporary AKA Term Life Insurance

Temporary life insurance provides protection for specify period of time like 10,20,30 years. You get it for a term which is why it’s known as term insurance. It’s the most affordable life insurance available because it provides one core feature -- a death benefit -- and because it expires after the term.

Permanent Life Insurance

Like term, permanent life insurance provides a death benefit to protect your family financially; however, its designed to be kept for life -- not just a term. It also offers more benefits, which is why it cost more. Think of permanent life insurance as a lifelong strategy that can protect your family today, secure your wealth in the future, and provide for your heirs after you are gone.

Important benefits

  • You get life insurance coverage for life.

  • You can add long term care protection as an option

  • You have flexibility with your premium

Powerful Advantages of Life Insurance

Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Never pay taxes on the growth of your money as it compounds over the life of the policy. When you decide to take money out of your policy to use as income or make purchases, you never pay tax on it as long as the policy is active.

Free – In most States the cash value associated with a permanent life insurance policy can’t be touched by creditors.

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The Right Life Insurance Coverage for each and every one of our neighbors is unique Talk direct with our licensed insurance team today to find out how to protect your family and your future with the right life insurance.
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Ghion Financial works with companies or individuals to plan for their financial futures by offering information and guidance on topics that include insurance, accounting and tax decisions.

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