We’ve got you covered.
Our transparent products will help you decide what type of insurance protection and savings is right for you. Our coverage calculator can then give you an idea of how much coverage you want. And you’ll put it all together when you speak with us.
Term Life Insurance
Term life insurance provides an income tax-free death benefit to your loved ones if you die during the coverage period. Your premiums remain the same throughout the level period you choose: 10, 15, 20, or 30 years.
Customize your coverage by choosing an amount that best fits your situation
Convert your term life policy to a universal life policy at any point during the conversion period – no matter the state of your health
Supplement your universal life policy with additional term life insurance
Apply with Accelerated Underwriting, a speedy approval process available to many term life customers between the ages of 18 and 50 for up to $500,000 of coverage
Protect the people, causes, and organizations you care about
Universal Life Insurance
Universal life insurance is a simple and powerful way to protect and save. Unlike term insurance that provides a death benefit for a set time period, universal life will cover you for as long as you pay the required premium.
Build tax-deferred cash value by optionally paying more than your monthly costs. With Bluestone Universal Life, your account value grows faster because we’ve eliminated % of premium fees, known as load fees
Access your policies cash value through a loan, withdrawal, or annuitization (convert your policy’s cash value to an income stream)
Protect the people, causes, and organizations you care about
Disability Income Insurance
Disability income insurance provides a monthly cash benefit if you become unable to work due to illness or injury.
Customize your premium payments and benefit amounts based on your occupation and income
Receive from a 50% payment of your monthly coverage in the event that you become partially disabled and return to work part-time after receiving total disability payments
Protect your earning power
Annuities
Annuities are funded with a lump sum of money and grow tax-deferred. They can also be passed on to your heirs avoiding probate.
Bluestone offers two types of annuities:
Single-Premium Immediate Annuity (SPIA): Also known as an income annuity, a SPIA provides a guaranteed income stream for anywhere from five years to the rest of your life. After the initial premium payment, you can receive monthly income starting within one month.
Single-Premium Deferred Annuity (SPDA): Also known as a deferred annuity, a SPDA earns interest every year on the amount you paid in, as well as on interest from previous years, compounding your return on a tax-deferred basis. There’s a current interest rate and a guaranteed minimum interest rate.
Change your future. Give us a call.
STRENGTH IN PARTNERSHIP
Bluestone partnered with Assurity Life because they’re a Certified B Corp and an A.M Best Excellent (A-) rated mutual insurance company established in 1890. This reliability and longevity, paired with our mission and proprietary products, allows us to serve both the planet and our customers. All Bluestone policies are issued by Assurity Life.