Life Insurance can help protect your family and is an excellent way to accumulate money
for college, retirement or unplanned expenses. A person should have life insurance that
approaches six to eight times their annual gross income. Under current laws, there is
generally no federal income tax on death benefits paid to a named beneficiary.
Using the strength and experience of our life insurance markets, we offer affordable term
life, whole life, and universal life insurance policies.
Life insurance coverage for a specified length of time. A term life insurance policy is
usually purchased with a particular need in mind. Beneficiaries will collect, usually tax free,
the face value of the policy upon the insured (your) death. Term life is attractive for those
with a limited income, high short term insurance needs, or for personal family protection.
If the insured survives the time period, the policy expires. There is no cash value at the
expiration of a term life insurance policy. Some policies have a convertible feature permitting
a policyowner to exchange a term policy for a cash value policy without evidence of
insurability.
Level Term Life Insurance Policy Features
A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.
Decreasing Term Life Insurance Policy Features
Has a decreasing death benefit and a level premium.
Click on the link below to fill out a quote request form for a Term Life Insurance policy that will
provide excellent life insurance coverage at an affordable cost. Or speak with our Term Life
Insurance agent specialist at (314) 722-3592 to discuss the features in more detail.
Click on one below to learn more!
The most popular choice for those seeking to cover permanent needs, such as contributing
to a survivor's nest egg, paying off final expenses, etc. Whole life insurance provides
permanent, lifelong insurance coverage. The benefit amount remains the same and is
payable to the beneficiary(s) at the time of the insured's (your) death. It also offers an
opportunity to build cash value, so you can take a loan on your policy to fund major
purchases or to provide for unexpected costs.
Whole life insurance has a fixed premium and a level death benefit to age 100. The
premiums don't increase with age, which averages the cost of the policy over your life. The
cash value increases with time until it equals the death benefit at age 100. This type of policy
never has to be renewed or converted. The cash value is an amount of money that you are
guaranteed to receive in the event of policy cancellation.
Variations of Whole Life Insurance include:
Modified Premium - lower fixed premium for the first 3 or 5 years, and then premiums
increase. These policies work well for individuals that expect to improve their financial
condition in the near future.

Graded Premium - premium increases each year for the first 5 years, and then is fixed.
1. premium costs may make it difficult to buy enough
2. need to carry a whole life policy for a considerable length of time to be very beneficial
3. cash value may be less than your face value
4. cannot vary your monthly premium payment and the premium-paying period may be
lengthy
5. amount of coverage cannot be increased at a later date
Advantages of Whole Life Insurance
1. guaranteed protection for life
2. level death benefit that is generally tax-free
3. premiums do not increase in correlation with your age
4. cash may accumulate tax-deferred
Disadvantages of Whole Life Insurance
Click on the link below to fill out a secure quote request form for a Whole Life Insurance
policy that will provide excellent life insurance coverage at an affordable cost. Or speak
with our Whole Life Insurance agent specialist at (314) 722-3592 to discuss the features.
( Saint Louis, MO Area )
( Saint Louis, MO Area )
Saint Louis Metro
Insurance Group
8390 Delmar Blvd.
Suite 224
Saint Louis, Missouri 63124
Saint Louis County, MO
Phone: (314) 722-3592
Fax: (866) 929-9792
Experience - Support - Service - Insurance Solutions
Saint Louis Metro
Insurance Group
Insurance Coverages - Insurance Solutions!
Serving Saint Louis Since 2001!
Locally at (314) 722-3592
Locally at (314) 722-3592
We take great pride in the professional quality of our work, and we consider our
insurance experience in these changing times a must for providing the best
insurance coverages to meet your needs.
Talk with us today about your current coverage's and learn how we can reduce
your insurance premiums while providing the same or better protection for you
or your family.
WE SPECIALIZE IN REDUCED PREMIUM RATES FOR YOUNG DRIVERS.
Life
Insurance
Missouri
Personal
Insurance
Saint Louis Metro Insurance Group
Copyright 2011-2012, All rights reserved
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We are a Saint Louis, MO insurance agency offering more affordable Missouri term
life insurance to residents located in the following cities and counties: Clayton,
Kirkwood, University City, Maryland Heights, Richmond Heights, Maplewood,
Shrewsbury, Wellston, Brentwood, Webster Groves, Warson Woods, Crestwood,
Concord, Sappington, St. George, Affton, Green Park, Mehlville, Lemay, Lakeshire,
Grantwood Village, Glendale, Webster Groves, Oakland, Marlborough, Wilbur Park,
Rock Hill, Des Peres, Huntleigh, Vinita Terrace, Ladue, Olivette, Creve Coeur,
Overland, Hanley Hills, Pagedale, St. Ann, Vinita Park, St. John, Velda City, Hillsdale,
Sycamore Hills, Breckenridge Hills, Edmundson, Wellston, Pasadena Hills, Calverton
Park, Dellwood, Ferguson, Beverly Hills, Pine Lawn, Northwoods, Woodson Terrace,
Carsonville, Berkeley, Normandy, Jennings, Cool Valley, Hazelwood, Florissant, Black
Jack, Spanish Lake, Glasgow Village, Bridgeton, St. Charles, Saint Louis,
Chesterfield, Ballwin, Manchester, Winchester, St. Peters, Wildwood, Valley Park,
Oakville, Fenton, Sunset Hills, St. Charles County, Jefferson County, and St. Louis
County, MO. We also provide professional term life insurance services in Madison,
Randolph, and St. Clair counties in western Illinois near East St. Louis and Granite
City.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via
voicemail, email, fax or online at the agency's website. You must speak directly with a
licensed insurance agent.