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4410 Hardy Street Lihue, HI 96766 Tel: (808) 651-0149 Fax: (808) 245-5648 |
Community Financial Services Group, LLCFREE LIFE INSURANCE CONSULATIONS FOR ALL MEMBERS
Community Financial Services Group, LLC, a wholly owned subsidiary of the credit union has created another benefit program for members only. Partnering with Pacific Guardian Life Insurance Company enables credit union members to receive a free life insurance consultation to review their existing coverage and discuss other insurance options available.Why Pacific Guardian Life?
Pacific Guardian is Hawaii's largest and oldest life and health insurance company. Their longevity, size, and enduring commitment to Hawaii are based on their philosophy of offering prompt, caring, in-person service to all their clients.They know Hawaii and the Pacific.
Life and other insurance products can be complex. Pacific Guardian offers professional service to assist their clients in making the right decisions for their individual needs. Based in Hawaii, they understand and appreciate the many lifestyles of the people who live in the Pacific Rim, and know what is important to them.Do I need Life Insurance?
Pacific Guardian has been helping people protect against life's uncertainties for a number of generations. Consider what they can do for you. Life insurance products can help you:
- Create an estate
- Supplement retirement funds
- Pay off loans
- Pay off home mortgages
- Create college funds
- Pay off funeral, medical expenses
- Allow your spouse/children to sustain a similar lifestyle
Click here to determine how much Life Insurance you need to protect your family.
What Kind of Life Insurance is right for me?
Term Life
Term life insurance provides protection for a specific period of time. Unlike other types of policies, term life insurance generally does not generate cash values. Because of that, term life insurance is usually the least expensive means of protection.Pacific Guardian's term life insurance has a variety of desirable features such as:
- Provides protection for a 10, 20, or 30 year period of time.
- Initial premiums are lower than whole life insurance allowing you to purchase higher levels of coverage.
- Allows younger ages to purchase more coverage when the need for protection is often the greatest.
- Good for covering needs that will disappear in time, e.g., mortgage, car loans, etc.
- Return of Premium gives you the benefits of traditional term, plus the additional benefit of having your premiums paid back to you after a specified number of years.
Whole Life
Whole life insurance differs from term life insurance in that it is a life-long insurance. It permits premiums to be paid either for a specified number of years or for as long as the insured lives. If you need a lifetime of coverage, Pacific Guardian's whole life insurance may be the way to go. Fixed premium whole life insurance offers these features:
- Life-long protection.
- Guaranteed death benefits.
- Strong guaranteed cash values.
- Limited premium payments for fully paid-up coverage - Guaranteed!
- Juvenile protection with cash values.
Universal Life
Like whole life, universal life insurance provides permanent coverage. However, it differs from whole life in that it gives flexibility to the policyholder as to the amount and timing of premium payments as well as the ability to adjust the death benefit. If flexible premiums and flexible coverage better fit your needs and wants, Pacific Guardian's universal life insurance products provide for it. Some of our features are:
- Life-long protection.
- Adjustable insurance coverage for your current and future requirements.
- Adjustable premium payments to match your current and future financial situations.
Let Us Help
Life insurance can be complex, requiring a professional to help you with a decision that will last a lifetime. Our goal is to provide a broad range of high quality life insurance products and services to fit your needs. For more information on life insurance plans, call KCFCU's Sales Consultant for Pacific Guardian, Tina Tagad at 1-800-946-1297, email her at ctagad@pacificguardian.com, or simply click here and request your free quote today.
*Guaranteed Level Term Rates - Premier Preferred Non-Tobacco Guaranteed Monthly Premium MALE 10 Year Term 20 Year Term 30 Year Term Issue Age $100,000 $100,000 $100,000 30 10.15 13.12 15.40 40 11.46 16.36 22.58 50 19.69 32.90 43.84
*Guaranteed Level Term Rates - Premier Preferred Non-Tobacco Guaranteed Monthly Premium FEMALE 10 Year Term 20 Year Term 30 Year Term Issue Age $100,000 $100,000 $100,000 30 9.54 11.55 13.39 40 10.94 13.91 17.94 50 16.27 23.45 31.06 * The above premiums are for the Lifeguard Term Life Insurance issued by Pacific Guardian Life Insurance Company, Ltd. 1440 Kapiolani Boulevard, Honoulu, HI 96814
Policy Form Nos. 10T01, 20T01, 30T01.
CFSG is a separate enterprise, distinct from Kauai Community Federal Credit Union, and maintains separate operations and procedures as required by NCUA regulations. The products and services offered by CFSG are not obligations of the Credit Union, are not guaranteed by CFSG or the Credit Union, and are not federally insured. Investments involve risk, including the possible loss of principal. The Credit Union is not liable for the debts, obligations, liabilities or judgments of CFSG.