Life Insurance

For over 35 years, The Rampart Group has provided the financial tools to families, businesses, and individuals so they can maximize their wealth and protect their assets.

In today's competitive environment you know the challenge of running a business and retaining the quality people who contribute to its success. You also recognize the benefits that your business can provide to both you and your family. To maximize those benefits you'll need to make some key decisions.

To prepare for the future and keep your company running smoothly, you need business planning strategies that address, among others, the following concerns:

  • Retirement Income
  • Executive Compensation
  • Business Continuation

We at Rampart can help you fund arrangements that allow you to take care of critical details and let you focus on the work you do best.

Life Insurance can help:

  • Pay off your estate’s debts and taxes after your death.
  • Allow your family to maintain its standard of living.
  • Support your dependents’ goals and dreams.
  • Provide immediate access to cash.

Financial support during your lifetime:

  • A supplement for your retirement income.
  • A funding vehicle for a college education, starting a business, or an emergency.

Our advisors provide full service analysis and support in the following areas:

  • Individual Insurance Protection
    • Term Insurance
    • Universal Life
    • Whole Life
    • Survivorship Life
    • Disability Life
    • Long Term Care
    • Annuities
  • Financial Planning Services
    • Estate Planning
    • Wealth Transfer Planning
    • Retirement Planning
    • Charitable Planning
    • Executive Compensation Planning
Life Insurance FAQ'S

What is Life Insurance?

Life Insurance is designed primarily to protect your family’s financial security after you die. But some types of life insurance can also help you build assets to meet needs during your lifetime. So it’s a smart addition to any financial plan.

What is the correct type of life insurance?

TERM INSURANCE: With term life insurance you are “renting” protection for a period of time. When the “lease” – the term of the policy- is up, you can choose to renew at a higher rate, or the insurance stops without any value.

PERMANENT INSURANCE: With permanent life insurance you own the protection for life and your premium payments (like mortgage payments on a house) build value for you in the policy.

How Much Insurance Do I Need?

One rule of thumb is to buy life insurance equal to ten to fifteen times your annual gross income. However, there is no substitute for a careful evaluation and review of your life insurance needs with one of our financial advisors.

Interested in our Life Insurance Services?