Life Insurance

Term Life · Whole Life · Universal Life

Life insurance is a problem solver! Which problem do you need to solve?

Need college money for children?

Life insurance can cover the cost of tuition in the event a parent dies. College tuition is expensive. Whole life insurance is another way to save for college expenses, keeps a child insurable, or pays for unexpected funeral expenses.

Mortgage insurance in case you or your spouse passes?

Most families depend on two incomes. Term life insurance is a great way to make sure your family will not have to sell their home after you pass. Life life insurance can be purchase inexpensively for 10, 15, 20, and even 30 years.

Need additional retirement funds?

A Universal Life insurance policy can add to your retirement portfolio. Many of these policies can include long-term care, disability, and critical illness riders. It is an inexpensive way of covering both planned and unforeseen expenses.

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The Benefits of Life Insurance

  • Replace Lost Income

    Life insurance works to provide financial security to your loved ones. Consider what would happen if you were to die suddenly. Get yourself adequate coverage. Don’t leave your loved ones helpless when the monthly bills come around.

  • Cover Burial Expenses

    Sadly, even a basic funeral service can run upwards of several thousand dollars. Another option is Pre-payment. It can ensure everything is in place for your loved ones after you die. However, there are risks to pre-payment. Life insurance can give you and your beneficiaries more of a guarantee, lifting a burden off of them as well as yourself.

    Cover Burial Expenses

  • Pay Off Debt

    In the event of your passing, your debts may not necessarily disappear. In the instance that you and your spouse have co-signed for a mortgage or other loans, your spouse may become entirely responsible for repayment. Life insurance allows those you leave behind to take care of any lingering financial responsibilities.

  • College Planning

    There are a number of ways to save money for your child’s education. Life insurance payouts can actually provide a good supplement your savings. If your child ends up borrowing money to get through school, the insurance proceeds could also help wipe out pesky student loans.

    College Planning

  • Build Cash Value

    Term life insurance, a type of life insurance, stays in place for a set period of time. But another option, whole life insurance, provides permanent coverage that only ends if you cancel the policy. Whole life insurance allows you to build up cash value over time, an attractive prospect to any people. That cash value acts as an extra cushion that you can tap at any time. This may come in handy if you have a financial emergency down the road.

  • Diversify Investments

    Some people also use life insurance as an investment tool. These policies are tied to a specific investment product. Then policyholders receive dividend payments based on the product’s performance. Let us help you understand the product before you commit.

    Diversify Investments

  • Business Planning

    If you own a business, it’s vital that you have life insurance. This covers your obligations so your hard work doesn’t go to waste. Are you involved in a partnership with someone else? You should both have coverage. That way, if one of you dies, the other isn’t left holding the heavy financial bag.

  • Estate Taxes

    When someone passes away, their heirs often face estate and inheritance taxes on any assets they receive. If you’re worried about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these added costs.

    Estate Taxes

  • Coverage is Affordable

    One of the excuses people tend to make for not buying life insurance is the cost. But truthfully, coverage often ends up pretty affordable for most people. Term life tends to be less expensive than whole or universal life. Plus, the younger and healthier you are, the lower your premiums will be. Unless you smoke or have a preexisting health condition, you could find coverage for as little as $1 a day. Do not wait. Get a quote now.

  • Peace of Mind

    No one can truly predict the future. But having life insurance means you and your loved ones can prepare for any eventuality. Even with a small policy, you may find yourself sleeping a little easier at night knowing that your family has protection in place should something happen to you.

    Peace of Mind

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Tree Frog Insurance Services, LLC

6233 Durand Ave, Suite 102-6 · Racine, WI 53406
(262)-975-2225 WI ·  (847)-780-2305 IL · brenda@treefroginsurance.com

Located in Wisconsin, the insurance agency “Tree Frog Insurance Services, LLC” serves clients throughout Wisconsin, Illinois, and other states, including CO, AZ, MI, IA, and MO.

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