Life Insurance in Pendleton, OR and Hermiston, OR
Helping Individuals in Northeast Oregon and Southeast Washington plan for the Future and stay Secure
“We now offer the new generation of Life Insurance products with Living Benefit Riders” Ask us about these today!
Life insurance provides security for your loved ones by protecting them from financial burdens and pressures that can result when unexpected events occur. However, life insurance is more than a death benefit; it funds life events like college and other investments, is a valuable planning tool, and is an invaluable part of one’s financial strategy. At ISU - The Stratton Agency we believe that life insurance should give you the opportunities you need to keep yourself and your beneficiaries financially secure and to finance other parts of your life. We offer customized, comprehensive life solutions that can help you achieve these things.
We have provided life insurance solutions for over three decades and work with a number of insurance companies such as Pacific Life, Protective Life, National Life Group, Transamerica and Nationwide.
Coverages and Plan options that fit your Needs and Goals
Life insurance can provide financial protection for your beneficiaries or for both personal and business-related purposes. You can benefit from life insurance in many different ways, and the reasons you may have for purchasing life insurance can be equally as diverse. This is why it’s important to speak with a licensed agent at ISU – The Stratton Agency. We can help you understand your options, find the right solution, and help you plan for the future.
Finding the right solution and making the most of the solution begin with an understanding of what life insurance entails and what it can do. A brief summary is below:
There are two basic types of life insurance: term life and permanent life. Term is generally less expensive and provides a death benefit for a specified period of time. Permanent can last a lifetime and may provide additional value beyond death benefit protection. Death benefits cover these long-term protection needs:
- Family income replacement
- Mortgage protection
- Children’s education
- Retirement income for a surviving spouse
- Business protection and continuation
- Estate planning
Term life insurance is often used by individuals who know the amount of death benefit they need. It allows you to choose the period for which you pay premiums. While these premiums can be inexpensive, the insurance does not give you cash value access. You might want term life insurance if you have a limited budget, a family with young children, short-term insurance needs, or to supplement an existing insurance policy.
Permanent life insurance provides lifelong protection and offers flexibility and other advantages that term life insurance does not. There are four types of permanent life insurance: whole, universal, variable universal, and indexed universal. Each of these types offers financial benefits and cash-value growth and access. You might want permanent life insurance if you want your death benefit protection to last a lifetime, protection and tax-advantaged accumulation of cash value, or if you want access to your policy’s cash value for different investment purposes. You might also consider permanent life insurance if you have advanced planning needs like business continuation or key person protection.
Specific coverage options for a life insurance plan from ISU - The Stratton Agency include but are not limited to:
- Individual Life Insurance
- Group Life Insurance
- Long-Term Care Insurance
- Mortgage Protection Insurance
- Disability Insurance
- Second-To-Die Policy
- Key Person (Key Men) Insurance
- Accidental Death
- Critical Illness
Keeping your Protection simple through Complete, Intensive Services
Regardless of the reasons you want and/or need life insurance, you require a customized solution. We will help you develop a strategy that makes identifying the right coverage options, deciding which policy meets your needs best, and making the most of your policy easy and simple. As independent agents we advocate for you, which means that we are not captive to an insurance company and want you to take advantage of your coverage. Protecting your best interests is in our best interest.
We’re dedicated to helping you make the best decisions and will give you opportunities to review insurance options and different rates. Once you’ve made a decision we’ll be available to guide you to taking advantage of your protection and to making any necessary changes. If your beneficiaries collect benefits from your policy, we’ll support your beneficiaries in the same way we support you.
We’ll be happy to talk with you about your life insurance options and how to keep yourself, your family, or your personal and professional investments secure. Please contact us in Pendleton, Hermiston, La Grande, Call our office today for a proposal, or go to “request a quote” tab here on the website.
ISU Insurance Services - The Stratton Agency is proud to provide life insurance solutions in Hermiston, Pendleton, La Grande, Walla Walla, Pasco, Kennewick, and Richland, WA. We also serve other areas in the state and seven other states .
Securities and advisory products and services offered through Private Client Services, LLC. Member FINRA, SIPC and a Registered Investment Advisor. Home Office: 2225 Lexington Road, Louisville, KY 40206. Phone: (502) 451-0600. ISU Insurance Services - The Stratton Agency, is not affiliated with Private Client Services, LLC.
Michael C. Stratton is a Registered Representative offering Variable Products in the following states: Oregon, Washington, Idaho and Montana . Branch Office: 225 SW 5th Street, Pendleton, OR 97801
(541) 276-2302. Securities and Advisory Products and Services offered through Private Client Services LLC. Member FINRA, SIPC and Registered Investment Advisor. Home Office: 2225 Lexington Rd, Louisville, KY 40206 (502) 451-0600.