Signature Securities offers the full spectrum of life and disability insurance as a way to help you, particularly entrepreneurs, provide financial security in the event of the unexpected.
Signature Securities insurance capabilities range from simple term life to unique disability scenarios, such as those covering professional athletes, entertainers, and other high-risk professions. To your advantage, Signature Securities does not offer proprietary insurance products, nor do we promote one carrier over another. Our Signature Securities Financial Advisors recognize that each carrier is different and that unbiased selection is in your best interest. Our goal is to help you plan for the future while offering protection against the financial repercussions of a disabling injury, illness or even death.
Provide for the long-term financial needs of survivors by considering the purchase of either variable or traditional life insurance through your Signature Securities Financial Advisor. Together you will choose the right type of policy, provider, and terms to help ensure your survivors a comfortable standard of living while meeting your present financial goals.
- Term Life: Simple and affordable plans that provide protection for a specific period of time; an excellent supplement or alternative to group-term life plans typically provided by employers
- Whole Life: A policy that builds cash-value while protecting your family; features fixed premium payments for the life of the policy and accumulate tax deferred cash values that can be borrowed against, if necessary
- Universal Life: A flexible plan that allows you to modify the death benefit or premiums over the life of the policy while accumulating tax deferred cash values
- Variable Universal Life: A universal life policy with the added option of allocating cash values to one or more separate investment options
Disability insurance is an important planning tool available to all general professions and specialists such as physicians and dentists. Work with your Signature Securities Financial Advisor to access top insurance providers who are selected for their financial strength, product breadth and their ability to provide disability policies with clear definitions and terms. Policy types include: Own, Modified, and Any Occupation.
Your Signature Securities Financial Advisor will review and recommended policies that include residual or partial disability, rehabilitation benefits, transplant and cosmetic surgery benefits, as well as capital sum benefit options. As a matter of best practice, your advisor will primarily introduce policies that are guaranteed renewable (premiums may rise for all policies in a given class with state regulator approvals) and/or noncancellable, meaning that the company agrees to continue to renew policies in the same form without an increase in premium until age 65.