Debra Steimen
Office: (703) 334-8006
Cell: (703) 344-4338
Tony Radfar
Insurance Producer
(571) 246-3043
Lifelong Protection with Whole Life Insurance
Whole life insurance helps your family prepare for the unexpected. The death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs — or leave a legacy for the next generation. Over time, whole life policies build cash value that grows tax-deferred, and can be accessed during your lifetime. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.
Term Life Insurance
Term life insurance is the most straightforward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that "term." DSS Insurance Advisor works with many of top nationwide Life Insurance Companies offering a variety of affordable term life insurance products to fit your needs, time frame, and budget.
- Help provide for a family's loss of income
- Cover short-term debts and needs
- Provide additional insurance protection during the child-raising years
- Provide longer term protection to help your family pay off a mortgage or to help pay for a college education
Flexible, Permanent Protection with Universal Life Insurance
Universal Life Insurance premiums are paid into your policy's account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as a charge for insurance protection, are then made from the account value. You have the ability to take loans or make withdrawals from the account value for your personal needs. Loans accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various deductions each month.
- Provides for a family's loss of income, mortgage costs, and educational needs
- Access to cash value for life's opportunities
- Estate, special needs, and business planning
Index Universal Life
Indexed Universal Life insurance is a permanent life insurance policy that has a "living" benefit in the form of a cash value, in addition to a death benefit that is paid at death. The cash value in your policy earns interest based on either a fixed interest rate, an interest rate that is based on the increase in an equity or bond index, or a combination of both. What makes Indexed Universal Life insurance unique is the ability to earn interest based on the movement of an external index (like the S&P 500®). With indexed based interest, you are likely to earn higher interest over time than with a fixed interest rate.
DSS Insurance Advisor
Independent Insurance Broker
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