Kozhuharov Insurance Agency
Toll Free: (877) 205-0051
Fax: (269) 441-5163
E-mail: deyan@kozhuharovagency.com
 

Life Insurance

We offer you a wide variety of products to meet your needs, the needs of your family and the needs of your business. Plans for your family include:

• Select Choice Term Series, offering you a choice of term lengths and coverage amounts and giving you the maximum amount of coverage for your premium dollar.
   
• Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.
   
• First Step, which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.
   
• Select Choice Juvenile Whole Life prepares your children for the future with low rates and a policy your children can maintain for a lifetime.

We can also help you prepare for your retirement and protect you during periods you can not work due to disability:

• The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
   
• Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
   
• The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.

Business coverages:

• Executive Choice Term Series provides maximum coverage for your premium dollar with a variety of level premium periods, allowing you to tailor your insurance plan to match the needs of your family or business.
   
• Simplified Incentive Match Plan for Employees (SIMPLE) is a simplified, tax-qualified retirement plan available to employers with less than 100 employees.
   
• The Business Overhead Expenses Plan offers your business protection in the event that you become disabled.
   

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