Life Insurance

• Life Insurance: Sprezzatura Insurance offers a variety of competitive individual and group life insurance and annuity products, including low cost term-life insurance policy.
• Term Insurance: Sprezzatura Insurance policies for the term market with guaranteed level premiums for a specified time period and permanent insurance with tax-advantage cash build-up.
• Survivorship Life: Sometimes called second-to-die insurance, Survivorship insurance is a fundamental part of estate planning. Sprezzatura Insurance can help you preserve your assets so that you can leave more for the people you really care about.
• Life insurance for people over 50: the protection of life insurance with the flexibility to meet your needs for a lifetime by providing the security you need for your retirement.
• Long Term care insurance: policies to help protect a lifetime of savings against catastrophic long-term care expenses.

Term Life Insurance

Features:

• Level term premium for one, 10, 15, 20, or 30 years more.
• Guaranteed conversion to any or our Universal Life policies offered thorugh age 70 – at no additional charges.
• Coverage level, most range from $100,000 to $1,000,000 or more.
• Waiver of premium rider – waives your premium in the event of your total disability, if you qualify.
• Family insurance riders – to insure your qualifying spouse and children.
• Accelerated death benefit – provides funds for your needs during a terminal illness.

Survivorship Insurance
Survivorship Insurance (sometimes called second-to-die insurance) is fundamental part of estate planning the thought of working all your life to leave a large portion of your estate to the IRS is unpleasant, yet that’s exactly what some married couple do. Fortunately, Sprezzatura Insurance can help! So you leave more to the people you really care about.

Preserving Your Assets
If you’re married and leave your estate to your spouse at your death, you can defer all or part of the federal estate tax due on your estate through the use of the unlimited marital deduction. Unfortunately, this deduction only defers the tax bill until your spouse dies – it doesn’t eliminate it. As a result your surviving heirs could be faced with a huge tax burden.

With the proper planning, Sprezzatura Insurance can help your family protect all of the things you’ve worked so hard to achieve.

Life Insurance
For many people, life insurance is simply a way to provide the most fundamental kind of financial support – tax free death benefits. Over your lifetime, your needs change, and the right kind of life insurance can help you meet new goals. Goals like protecting your assets or providing the additional security you need for your retirement.

Live For Today. Plan For Tomorrow!

Most pensions plans and IRAs give you at least two options to maximize your retirement income. You can choose between a larger pension benefit that provides income for your lifetime, but does not continue paying after your death. Or you can select a “joint survivor” income which pays smaller benefits during your lifetime, but continues paying a benefit to your surviving spouse. Having the death benefit of life insurance will help provide for your survivors, and make possible the larger pension income options for your lifetime.

Supplementing Income
No matter how well you plan for retirement, you may still need additional income. Your cash value life insurance policy can e a source of supplemental income, perhaps on a tax advantages basis. Sprezzatura Insurance Insurance Brokerage House agents will help you with a personalized proposal that will best suite your needs.