�?!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> Pinnacle Life and Health Solutions, LLC - Individual

Over 65


26 Clark Lane
Waterford, CT 06385

Phone: 860-442-1396
Fax: 860-444-2822

Toll Free: 800-732-7366

Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living.

Generally, you should consider life insurance if you have:
  • A spouse
  • Dependent children
  • Aging parents or a physically-challenged relative who depends on you for support
  • Retirement savings that is not sufficient to ensure your spouse's future financial well- being
  • A sizable estate
  • A business
When should you buy life insurance? That depends on your needs. The younger and healthier you are when you apply for coverage, the lower the premium will be. If you have an existing policy, you should check the term of the policy. If you purchased a 10 year term policy, in the 11th and every subsequent years, the premium will increase. Purchasing a longer term policy will guarantee the premium for the term of the policy. And yes, you can have more than one life insurance policy. Contact us or call us to discuss your specific needs.