apital ssurance ssociates
512 Main Street, Suite 201
Fort Worth, TX 76102

Tel:   (817) 810-0105
Fax:  (817) 810-0015

We moved our office location as of August 1, 2007! 
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Texas Life Insurance
Life insurance is for the living. It gives you and your loved ones:
bulletA financially secure future
bulletLife's necessities and the little extras
bulletA good night's sleep

In addition to providing death benefits so your loved ones can carry on financially without you, certain types of life insurance can build cash value to secure your own financial future. Life insurance benefits help:

bulletSatisfy final expenses
bulletReplace income after a breadwinner's death
bulletSend children to college
bulletPay off a mortgage or business loan
bulletBuild financial security

How do you know if you need life insurance? And how much life insurance is enough? Get answers to these important questions.

When you're considering purchasing a life insurance policy, it's important to look for a company that is committed to the life insurance market.


Term Insurance

bulletTerm life insurance is temporary insurance and does not build cash value. It offers young, working families:
bulletA fixed benefit amount for a specific period of time.
bulletAffordable premiums

To adapt to a family's changing needs, in-force term life insurance may be converted to permanent life insurance without additional evidence of insurability in some instances.

Permanent Life Insurance

Generally, permanent life insurance is a category of products that can help you accumulate cash and spend it when you need it. The two types of permanent insurance are whole life and universal life.

bulletWhole life insurance helps you meet final expenses while protecting your assets.
bulletUniversal life insurance can provide a guaranteed death benefit plus the opportunity to conservatively accumulate wealth in a tax-advantaged way.

What's special about permanent insurance?

Permanent life insurance can provide lifelong protection with guaranteed premiums and cash value with these features:

bulletSafety of principal
bulletTax-deferred growth at competitive interest rates (under current federal laws)
bulletCash accumulation
bulletLifetime protection at level premiums
bulletFlexibility to change the plan
bulletEasy access to your money through policy loans or withdrawals

Plus, the conversion feature helps guarantee your ability to replace existing in-force life insurance with a permanent policy without a physical examination or other evidence of good health.

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