Protecting Your Family's Future, Wisely
At The Selah Service Agency, we understand your biggest worries. Let us help you ensure financial stability and create a lasting legacy for your loved ones with our thoughtful life insurance options.
Product Key Features in Wealth Planning Advanced Uses
1. Whole Life (WL) - Lifetime coverage, guaranteed cash value growth, fixed premiums. (Asset Diversification: Provides a non-correlated asset that can stabilize a portfolio.)
2. Universal Life (UL) - Flexible premiums and death benefit, cash value growth tied to interest rates or market indexes (Indexed Universal Life - IUL). (Supplemental Retirement Income: Policy loans and withdrawals can provide tax-favored income, especially after maxing out qualified retirement plans (401(k), IRA).)
3. Variable Universal Life (VUL) - Cash value invested in market-linked sub-accounts, offering higher growth potential. (Wealth Accumulation: Utilized for tax-deferred accumulation beyond traditional limits for high-net-worth individuals.)
4. Second-to-Die - (Survivorship) Policy Covers two lives (typically a married couple) and pays out only upon the death of the second insured.Estate Tax Liquidity: Designed to provide a tax-free cash payout specifically to cover estate taxes when the estate passes to the next generation.
5. Term Life Insurance - A type of life insurance that provides a death benefit to beneficiaries if the insured person dies within a specified term (e.g., 10, 20, or 30 years).* Pure Protection: No cash value or savings component. Income Replacement: Provides financial security for dependents (e.g., spouse, children) to replace lost income.
6. Long-Term Care (LTC) Insurance - A policy that covers the costs of long-term services and supports (LTSS) for individuals with a chronic condition or disability who need assistance with Activities of Daily Living (ADLs).* Covers Custodial Care: Pays for non-medical assistance (e.g., bathing, dressing, eating) in various settings.* Asset Protection: Helps protect personal savings and retirement funds from being depleted by high long-term care costs.
7. Final Expense Insurance with Concierge Service - Final Expense Insurance with a Concierge Service is a life insurance plan designed to cover end-of-life costs, which includes an added support system to help your loved ones navigate the emotional and logistical complexities of funeral planning.
8. Medicare Insurance - A federal health insurance program in the U.S., primarily for people age 65 or older, some younger people with disabilities, and people with End-Stage Renal Disease. Let us help you figure out which plan is best for you!
Our 'Pause And Consider Wisely' Approach
The Selah Service Agency's unique approach transforms life insurance decisions. We go beyond basic sales, providing a thorough financial assessment that aligns with your family's long-term goals. We prioritize intentional planning, ensuring that your insurance truly reflects your values and safeguards your family's future.
Life Insurance: More Than Just A Death Benefit
Discover the living benefits of life insurance with The Selah Service Agency. Beyond providing for your family after you're gone, life insurance can offer financial advantages and security during your lifetime. Let us show you how.
A Personalized Experience, Tailored To You
The Selah Service Agency offers a high-touch, "white-glove" advisory model, focusing on your holistic financial strategy, not just transactions. Benefit from our deep personalization, proactive engagement, and strategic clarity, exceeding the standard insurance experience.
"The Selah Service Agency helped us understand our options and choose a life insurance policy that truly fits our family's needs. Their thoughtful approach made all the difference."
Happy Client, Texas