Charles S. Taub Insurance Services

Life Insurance For Everyone:

Life Insurance For Everyone is an independent brokerage firm for financial products and is wholly owned by Charles S. Taub Insurance Services since its inception in 1991. We provide our clients with a wide variety of term and permanent life insurance products and investment funds. These products reflect our goal which is to provide value and security to our clients. We pride ourselves in pioneering extraordinary service to all of our clients. The products we promote aim to provide wealth accumulation, wealth protection and life style enhancement to individuals and their families. With over a decade of experience, we provide the tools, resources and financial products to deliver the best available insurance products to our clients.

We are a full service independent insurance brokerage firm. At present, we shop all companies for the best products. We represent over 35 life carriers and over 15 investment carriers. The companies we represent range from the larger insurance companies to the little known specialized carriers for niche products.

Our name, Life Insurance for Everyone, says it all. We make it our goal to find an insurance product for all groups. We can insure healthy people as well as those with medical conditions or pre-existing illnesses. We specialize in placing insurance on the most difficult cases. We also have a direct line with several underwriters of these life carriers and are able to obtain favourable decisions.

Lower Your Life Insurance Rates !

Several insurance carriers have introduced "preferred rates". Although you may have purchased a Term policy several years ago, your rates can be lowered when you apply and qualify for "preferred rates".

Personal Life Insurance:

Term Insurance - Temporary coverage for term periods of 1, 5, 10, 15, 20 or 30 year terms. Most plans are guaranteed renewable and convertible without evidence of insurability. Call today for your personal quote.

Whole Life Insurance - Permanent coverage for the life of the insured. Available with or without cash values. Guaranteed paid-up insurance plans with 10, 15, 20 pay periods. Also available are participating plans with dividends and non participating. These plans are typically customized for the clients needs.

Universal Life - Universal life is a plan of permanent life insurance that combines life insurance and accumulated tax deferred funds in one program. Clients can choose from a wide variety of investment options to accumulate savings on a tax deferred basis while maintaining coverage for the whole of life. This plan offers the client the most flexibility and choice, and changes can be made to this plan at virtually any time. Hence the name Universal Life - it can be changed as the clients needs change.

Corporate and Business Life Insurance:

• Key Man Insurance
• Business Buy-Out
• Split Dollar
• Buy - Sell Insurance
• Share Redemption Plans
• Group Insurance