Commerce Insurance Services, Inc.
Life insurance may be one of the most important purchases you ever make. It can provide the financial support needed when you or someone you love passes away. It's an excellent way to help protect and secure your family's financial future by potentially replacing lost income, paying off debt, and funding a college education. Life insurance can also be used to maximize your pension when you retire. It can even be used to help your business offset the loss of a key person or fund a buy-sell agreement. The amount and type of life insurance you choose depends on your goals and your specific financial situation.
Online, on the phone, on your time – get a free quote in minutes with no obligation, and see how Commerce Insurance Services can provide solutions to protect you and your family.
We offer a range of life insurance products:
Term life insurance is typically the least expensive way to provide protection for a selected period of time, up to 30 years, with premiums guaranteed to remain level during the entire period selected. You may convert your policy to a permanent plan if your situation changes or you can cancel your policy at any time. You can even select a feature that will refund a large portion of your premiums at the end of your selected period should you not use the policy.
Universal life insurance can provide you flexibility and a guaranteed lifetime death benefit. It allows you to adjust your premiums and offers the option of increasing or decreasing your death benefit as your needs change.
Whole life insurance gives you protection for your entire life at a fixed premium. It also builds guaranteed cash value and may pay policy dividends.
- 100% Principal guaranteed with access to the principal
- Premiums will never increase – no on-going premiums
- Death benefit creates an increased tax-free value to heirs
- Cash Value grows tax deferred and transfers to heirs tax free
- Withdrawals that are used for qualified long term care expenses are tax free
- Income tax-free death benefits for beneficiaries
Long-Term Care Insurance
- Accident or injury
- Chronic illness
- Normal fragility and dependence that comes with advancing age
- Accident or injury
- Sickness or illness
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Not insured by any federal government agency
Not a deposit
No bank guarantee