Next Step Insurance

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We take care of all your Insurance Needs

Life Insurance Options

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Life Insurance

Life Insurance can be structured in many ways to protect families and businesses. An individual may decide to leave a legacy through life insurance, fund children’s college expenses, or supplement the surviving spouse’s income. Business owners may purchase life insurance to assure the smooth transition to the new business owner. Tell us what your life goals are and we will find a solution for you.
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Whole life insurance

Whole Life – Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate.
  • Whole life insurance lasts for a policyholder's lifetime, as opposed to term life insurance, which is for a specific amount of years.
  • Whole life insurance is paid out to a beneficiary or beneficiaries upon the policyholder's death, provided that the premium payments were maintained.
  • Whole life insurance provides a death benefit but also a savings component, where cash can build up.
  • The savings component can be invested; additionally, the policyholder can access the cash while alive, by either withdrawing or borrowing against it, when needed.
  • Some guarantee options available for anyone working.
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Term life insurance

Term Life – Term life insurance guarantees payment of a stated death benefit to the insured’s beneficiaries if the insured person dies during a specified amount of years.
  • Term life insurance guarantees payment of a stated death benefit to the insured's beneficiaries if the insured person dies during a specified term.
  • These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product.
  • Term life premiums are based on a person’s age, health, and life expectancy.
  • Very affordable options to make sure your family is covered. Minimal health questions and some guaranteed options available.
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Final Expense

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance.
  • No Medical Exam-Simple Application
  • Guaranteed Acceptance for Ages 45-85
  • The beneficiaries of a final expense life insurance policy can use the policy’s payout for any purpose whatsoever.
  • The death benefit is usually somewhere between $2,000 and $5,000
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Power in Numbers

Our goal is to let us take care of you over what can be a stressful process. You should be able to live your life and not have to worry about the details of insurance.

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Our clients Matter

Thomas Atkielski
Thomas Atkielski
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Professional. They have products for Medicare-Medicaid supplements and advantage plans. Good people to work with.
Taylor Thielke
Taylor Thielke
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Kris explained everything clearly, and let me decide what is best for my specific health benefits. The office is very friendly, and was efficient on scheduling and returning phone calls. I recommend Kris to everyone!
Debra Koene
Debra Koene
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Knowledgeable personnel and they explain everything so you understand.
Mark Thomas
Mark Thomas
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Very personable agents and knowledgeable.
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Tell us your story and we listen. Our office is conveniently located in the historic Mill Street Transfer in downtown Plymouth, WI in the heart of Sheboygan County. All consultation meetings are free for our clients.

Contact

info@nextstep-insurance.com
(920) 268-1600

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435 East Mill Street Mill Street Transfer Building Plymouth, WI 53073