This type of coverage ensures that your spouse or loved ones can make a full or partial payoff of your existing mortgage in the event of your unexpected death. Or, can at least provide them with 1-3 years of mortgage payments -- buying them time and protecting the equity while they figure out what to do with the home.
This type of coverage provides affordable protection, often covering a period of 15-30 years. Some may even qualify for "Return of Premium" Term which refunds all your paid premiums should you outlive the term.
The IUL allows for a portion of your premiums to fall into a cash account inside your policy. This cash account is indexed to the S&P 500 for growth, with no downside market-linked risk of loss. The goal here is to grow money AND have permanent life insurance at the same time!
This type of coverage provides you and your family peace of mind knowing that all your funeral/memorial, cremation and burial service expenses will be covered so they are not left with the financial burden.
You may have your death covered, but these stand-alone, lump-sum policies payout in full, dead or alive, in the event you experience a critical illness, have any heart attack or stroke/TIA or are diagnosed with any form of cancer -- no matter the severity or stage.
Protect your largest asset (your income) in the event of a disability. These stand-alone policies payout up to $4,000/mo for a period of 1, 2 or 3 years. If you or your spouse became permanently disabled and were unable to work and make an income, do you have a game plan?
Sam Gauthier is a dedicated husband and father and truly has the heart of a teacher. He is a U.S. Army veteran who served with the 101st Airborne Division 1/327th Infantry Regimen back in the late 1990s. He has spent the last 20 years in consultative sales and has been an Independent Licensed Insurance Broker since 2015. Over the years, he has had the honor and privilege of serving over 400 families throughout Middle TN, customizing their coverage to meet their individual needs and budget, enabling them to comfortably protect their loved ones.
Sam and his wife, Nicole, have been married for 21 years and currently reside in Nolensville, TN with their two daughters.
Give Sam a call today at 615-752-1152 to discuss your individual insurance needs.
PERSONAL AND NON-PERSONAL INFORMATION
WHAT IS NON-PERSONAL INFORMATION AND HOW IS IT COLLECTED AND USED?
Non personal information is information that cannot identify you. If you visit this web site to read information, such as information about one of our services, we may collect certain non-personal information about you from your computer’s web browser. Because non-personal information cannot identify you or be tied to you in any way, there are no restrictions on the ways that we can use or share non-personal information. What is personal information and how is it collected? Personal information is information that identifies you as an individual, such as your name, mailing address, e-mail address, telephone number, and fax number. We may collect personal information from you in a variety of ways: When you send us an application or other form, When you conduct a transaction with us, our affiliates, or others, When we collect information about in you in support of a transaction, such as credit card information, In some places on this web site you have the opportunity to send us personal information about yourself, to elect to receive particular information, to purchase access to one of our products or services, or to participate in an activity.
ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL INFORMATION?
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Sam Gauthier and the Gauthier Agency websites you visit.
HOW DOES Sam Gauthier and the Gauthier Agency USE PERSONAL INFORMATION?
Sam Gauthier and the Gauthier Agency may keep and use personal information we collect from or about you to provide you with access to this web site or other products or services, to respond to your requests, to bill you for products/services you purchased, and to provide ongoing service and support, to contact you with information that might be of interest to you, including information about products and services of ours and of others, or ask for your opinion about our products or the products of others, for record keeping and analytical purposes and to research, develop and improve programs, products, services and content.
Personal information collected online may be combined with information you provide to us through other sources. We may also remove your personal identifiers (your name, email address, social security number, etc). In this case, you would no longer be identified as a single unique individual. Once we have de-identified information, it is non-personal information and we may treat it like other non-personal information. Finally, we may use your personal information to protect our rights or property, or to protect someone’s health, safety or welfare, and to comply with a law or regulation, court order or other legal process.
DOES Sam Gauthier and the Gauthier Agency SHARE PERSONAL INFORMATION WITH OTHERS?
We will not sell, exchange or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition. For some sorts of transactions, in addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect personal information directly from you to assist you with your transaction. We do not control how these third parties use such information, but we do ask them to disclose how they use your personal information before they collect it.
We may cooperate with law enforcement authorities in investigating and prosecuting web site visitors who violate our rules or engage in behavior, which is harmful to other visitors (or illegal). We may disclose your personal information to third parties if we feel that the disclosure is necessary to protect our rights or property, protect someone’s health, safety or welfare, or to comply with a law or regulation, court order or other legal process. As discussed in the section on cookies and other technologies, from time to time we may allow a third party to serve advertisements on this web site.
HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?
We may contact you periodically by e-mail, mail or telephone to provide information regarding programs, products, services and content that may be of interest to you. In addition, some of the features on this web site allow you to communicate with us using an online form. If your communication requests a response from us, we may send you a response via e-mail. The e-mail response or confirmation may include your personal information. We cannot guarantee that our e-mails to you will be secure from unauthorized interception.
HOW IS PERSONAL INFORMATION SECURED?
We have implemented generally accepted standards of technology and operational security in order to protect personally-identifiable information from loss, misuse, alteration, or destruction. Only authorized personnel and third party vendors have access to your personal information, and these employees and vendors are required to treat this information as confidential. Despite these precautions, we cannot guarantee that unauthorized persons will not obtain access to your personal information.
This site contains links to other sites that provide information that we consider to be interesting Sam Gauthier and the Gauthier Agency is not responsible for the privacy practices or the content of such web sites.
This site may provide public discussions on various business valuation topics. Please note that any information you post in these discussions will become public, so please do not post sensitive information in the public discussions. Whenever you publicly disclose information online, that information could be collected and used by others. We are not responsible for any action or policies of any third parties who collect information that users disclose in any such forums on the web site. Sam Gauthier and the Gauthier Agency does not agree or disagree with anything posted on the discussion board. Also remember that you must comply with our other published policies regarding postings on our public forums.
HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?
You may access, correct, update, and/or delete any personally-identifiable information that you submit to the web site. You may also unsubscribe from mailing lists or any registrations on the web site. To do so, please either follow instructions on the page of the web site on which you have provided such information or subscribed or registered or contact us at firstname.lastname@example.org
Sam Gauthier and the Gauthier Agency will not intentionally collect any personal information (such as a child’s name or email address) from children under the age of 13. If you think that we have collected personal information from a child under the age of 13, please contact us.