General Insurance

Life Insurance

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Take a step to a more secure future.

The Spetner team has been helping clients with insurance needs since 1935. Whether you’re looking to preserve wealth or create a nest egg for your family, we can guide you in achieving that goal. It’s time to take advantage of Spetner’s connections with the country’s most highly rated insurance companies to get the best possible value. 

Find the Life Insurance That’s Right for You

  • Term Life

This is temporary insurance that provides coverage for a specified period of time, (e.g. 10, 15, 20 or 25 years.) Term Life allows you to obtain large amounts of protection at an affordable price. These benefits will help keep your family financially whole in the event of your Premature death. 

  • Permanent Life

This policy combines a death benefit with a savings/investment plan. With Permanent Life you’ll receive tax free survivor benefits, tax-free liquidity, and tax-deferred accumulation. It is the best value in life insurance over an average lifespan and is especially well-suited for estate tax planning needs.

  • Policy Analysis

Many existing life insurance contracts were sold based on overly optimistic financial expectations, such as higher credited interest rates or dividend scales. Policy holders are then shocked when a supposedly level premium suddenly experiences a large price hike. Spetner has expertise in analyzing and projecting these contracts and providing unique solutions for alternative coverage.

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Testimonials

“We started out with the father and continued with the son, Jonathan, who continued the tradition of the father which is that the people are very nice, loyal and trustworthy.”
Dr. Michael Goldenhersh
Jerusalem
“I was very impressed with his knowledge, his capabilities; every question that I raised to him…he immediately answered.”
Zvi Sand
Real Estate Developer Bet Zait
“….anybody who’s been around the St. Louis community knows the name Spetner. It’s a tradition in caring and service for St. Louis.”
Charlie Deutsch
General Partner of The Gatesworth