Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. As an independent insurance agency, Charles Meyer Insurance will do the work to help you find the right St. Louis life insurance coverage for you, and help ensure your policy continually meets your needs.

Life Changes. So Should Your Policy.

For each of our neighbors on both sides of the Mississippi river, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

• You recently married or divorced
• You have a new child or grandchild
• You have opened or expanded a business
• Your health or your spouse’s health has deteriorated
• You are providing care or financial assistance to a parent
• Your child or grandchild requires assistance or long-term care
• You recently purchased a new home
• You are planning for a child or grandchild’s education
• You are concerned about retirement income
• You have refinanced your home mortgage in the past six months
• You or your spouse recently received an inheritance
• You have a sizable estate

What You Need to Know

As an independent insurance agency, Charles Meyer Insurance can help you select the best life insurance coverage for your needs. Since we represent a variety of insurance carriers, we'll work to find the life insurance policy option that's ideally suited to your needs. There are several different types of life insurance products available – the most common include:

• Term Life Insurance

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.

Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

• Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

• Universal Life Insurance

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

What type of life insurance is best for you? Talk with the team at Charles Meyer Insurance Agency. We can assist in identifying the best protection for you.

Advantages of Life Insurance

Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Life Insurance Death Benefit - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for each and every one of our customers is unique. Talk with the Charles Meyer Insurance Agency team today to find out how to protect your family and your future with the right life insurance.

A Life Insurance Policy Can Help You Enjoy Life.

No tomorrow is guaranteed and although it's difficult to think about, it's important to talk to your family about developing a life insurance plan. Consider talking with your spouse about your life insurance plan, and opt for one that fits both of your needs. 

When you work with a top St. Louis life insurance agency like Charles Meyer Insurance, you'll be able to live life without worrying about how your family will survive if something were to happen to you. 

Charles Meyer Insurance Agency Can Help You Find the Right Life Insurance Policy.

If you're not sure where to start with choosing a life insurance policy, Charles Meyer Insurance Agency can help. As an independent insurance agency that's licensed in Missouri, Illinois and Kansas, we'll be able to help you determine which life insurance coverage options are best for you and your family so that you can live life worry-free. 

To speak with one of our agents, give us a call today at 314-894-1313. Or text us at 314-894-1313 and we'll get going on a quote today!

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