ASJ Insurance & Financial Services Inc.

We put our years of experience to work for you and help you achieve your goals, whether its simple term life insurance or cash value building permanent life insurance. You can count on us to be with you every step of the way.

We offer wide portfolio of insurance products wheather it is for personal or business insurance.

Auto, Home, Life, Health and Disability

Term Life insurance is mostly used to address temporary needs. Whether it is to secure a personal or business loan like Home Mortgage or a Business start up loan or to fund kids education. Typically Term Life insurance offers level death benifit for certain period of time like 10, 15, 20 or 30 years. During the initial term of the policy the death benifit and premuim stay the same.

Universal Life provides death benifit and some cash value. It is more costly than term life insurance but if needed, it could be funded to stay in force as long as the insured wants to keep it without worrying about the premium changes. Premiums are flexible and can be adjusted just as the premium payment duration. One can choose to fund the policy in 10 years or 30 years. The premium amounts would higher for shorter premium durations. These types of policies provide minimum interest rate guarranty, typically around 3%.

These policies work same as the Universal Life Insurance. But they differ in that they offer the potential for higher rate of returns while providing base interst rate gurranty. These types of policies provide minimum interest rate guarranty, typically around 3%.