Nina Pastuhov

Nina Pastuhov

Life Insurance

Peace of Mind in Uncertain Times


Life Insurance: Living Benefits

Life insurance provides coverage that can be invaluable to those left behind after the death of a loved one, but also provide benefits to the insured when they are alive too!

Additional riders/benefits to custom-tailor coverage to your needs include as many as:

  • 11 riders/benefits that provide value-added coverage for the insured and his/her loved ones, including:
  • Long Term Care
  • Total and Permanent Disability Benefit (Waiver of Premium) - pays premiums in the event of a total and permanent disability.
  • Child Rider - provides term insurance for children.
  • Guaranteed Insurability Benefit Rider - option on a juvenile policy to purchase additional coverage without evidence of insurability.
  • Terminal Illness Accelerated Death Benefit Rider - allows access to the policy death benefit if the insured is diagnosed with a life expectancy of 12 months or less.
  • Cash values that build up over time and which can be accessed via a policy loan.
  • Cash values that can be used to purchase a reduced paid-up policy.


Stop and Think Before Purchasing Insurance Online:

Most consumers appreciate having a personal representative or agent to help them when a situation arises and having their issues resolved promptly versus calling an 800 number and being put on hold forever and oftentimes getting nothing resolved!

Online shopping has become an American pastime, and can be an exciting adventure. For nearly everyone, it is enjoyable to receive surprising new packages and offers in the mail. But would you want your insurance coverage to be a surprise? You may want to ask yourself some essential questions before making the decision to buy insurance online:

  • What questions should I be asking before making the purchase?
  • Am I certain about exactly what coverages I need?
  • Am I buying the right type of policy?
  • Have I researched the insurance company?
  • Will the personal Information I provide online be secure?
  • Will there be real savings in both time and money by making an on-line purchase?

When buying insurance, it is important to be confident about exactly what coverages you need. Since insurance varies widely from state to state, it is necessary to have a knowledgeable resource that understands your individual needs. If you need to file a claim, you want to be certain that the insurance you purchase will protect you. If you make the decision to use an online company that does not personally involve themselves with your insurance needs, you run the risk of being left without coverage. Take the time to ask questions. Additionally, an online insurance company should be asking questions of you, to ensure they are recommending the proper coverage.


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As always, if you need consultation, we are here to help either by email or by phone:

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