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My name is Ben Samulak, and I'm grateful that you took time to stop by my website. I'm an independent Insurance Broker from Chicago, IL. I am contracted with multiple A rated carriers, in most states, so I'm able to find the best options for people. I'm happy to help educate, and answer any questions you may have regarding retirement planning, life, and health insurance. I look forward to talking to you.
I have had the pleasure of helping protect many families, from all over the country, for many years. I have been earning families trust, by always directing them to what's best for them and their families. I always treat people just like I would my own family. I plan to build a relationship with you, which means once you become my client, you become like my family, and you will always have my personal cell if you need me. Feel free to fill out a request, email, or call me for more info.
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Services
Mortgage Protection
Mortgage Protection is a policy you put in place, to protect your loved ones in case you get sick, disabled, or if you pass away. Mortgage Protection gives the family choices and options, so they aren't forced to do something they don't want to do.
Final Expense (Burial)
Final Expense is a Whole Life Policy that won't expire due to age or condition. Also generates a cash value over time that you may borrow from if in need. Can cover burial, cemetery plot, and funeral service costs. Generally covers in between $5,000 - $35,000
Annuities / IUL
IUL's are used to create a safe and stable cash growth. The cash growth can be used to borrow against so you can "be your own bank". Many use the cash to create supplemental or full tax free retirement income for life, and also leaves a tax free death benefit as a legacy to your loved ones.
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Annuities are a stable and safe way to grow your retirement funds as you get closer to retirement. Cash grows tax free, and is protected against market volatility.
Term Life / Whole Life
Whole Life is a policy that will never expire due to age or condition. Meanwhile, generating a cash value that you may borrow from if you are in need. Targeted toward individuals that want a policy that will give life long protection to their loved ones.
Term Life is a policy that protects for a term of 10 to 30 years, although it does expire, you can cover very large amounts for usually a lower cost.
Roth IRA
A Roth IRA is a Individual Retirement Account that you pay taxes for when investing, for the payoff of a tax-free income when receiving. As long as you have had the Roth IRA for at least 5 years, when you reach the age of 59 and a half, all invested growth of your account will then be tax-free when pulling from your account. Perfect for individuals that are worried about the uncertainty of what taxes will be in the future.
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