Everyone will be called home sooner or later. By planning for that eventuality we can minimize the pain and suffering of their loved ones should something happen to us. At Cegel Capital we can help you plan the future and make sure your loved ones are not unnecessarily burdened by your passage. For help choosing the option right for you give as a call!

Life Insurance

Additional Protection Insurance

Whole Life

Lifetime Value

A life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.


Economical Coverage

Life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term.


Flexible Premiums

A type of cash value life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.


Market Exposure

A type of life insurance that builds a cash value. In a Variable universal life insurance, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner.

Additional Protection Insurance

A form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

An insurance product that helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Life insurance with long term care insurance provides the benefits of life insurance coverage combined with long term care insurance coverage.