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Long Term Care

How much life insurance do I need?

What is my potential estate tax liablitiy?

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What are my long-term care insurance needs?

How much disability insurance do I need?

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Give Bob a call

"Real intelligence is the creative use of knowledge, not merely an accumulation of facts."
         — D. Kenneth Winebrunner                           ...Results

Robert McKeever
P.O. Box 1186
Smithtown, NY 11787
Tel: 631.863.2200
Toll Free: 800.561.1492
Fax: 631.863.2204
www. rmclu.com


I can design a whole life policy to fit your needs.

Whole Life Insurance is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy. With level premiums and the accumulation of cash values, whole life insurance is often a good choice for long-range goals. Whole life policies have an array of benefits:
  • Premiums. Traditional whole life guarantees the annual premium, while the premiums for term life increase.
  • Dividends. Whole life insurance policies can earn dividends, but are not guaranteed.
  • Guaranteed Cash Values. Term life policies offer death benefits only, but a whole life policy accumulates minimum guaranteed cash value and death benefits. If you choose to surrender the policy, these guaranteed cash values are available to you. Or, as long as the policy is in force, you may borrow against them.
  • Tax Deferred Savings. The gain in the cash value of your policy is tax-deferred if the policy is cashed in during your life. If you die, the proceeds are usually income tax-free to your beneficiary.

I take the time to do my homework.

The first and most important decision you must make when buying life insurance is: term, permanent or a combination of both? Few people who have bought or shopped for insurance have escaped the debate over term versus permanent insurance. The saying you always hear is, "Buy term and invest the difference." That’s not necessarily true. The fact is that it depends on a number of variables, such as your taxable estate value, your goals and others which must be carefully assessed.

Wondering about term vs. whole life?
Call me at 1.800.561.1492 or email me at: bob@rmclu.com

Copyright © 2014, Robert McKeever, RMCLU All Rights Reserved.