Term Life Insurance is temporary coverage designed to cover temporary needs. Temporary needs are college costs , the cost of your mortgage (Mortgage Protection) and family income replacement. Term insurance generally have time periods such as 10,15,20 and 30 years. Conversion is an option within a term policy that allows you to change your current term insurance policy into a permanent plan. For additional information please click here.
Final Expense is insurance that is generally smaller face amounts designed to cover a burial. For the vast majority of Americans those expenses are 25,000k or less. Final Expense insurance generally is medical exam free and coverage can start right away. To get a quote in less than 10 seconds fill out the quote form in the side bar. For additional information on this coverage please click here or contact us here.
Guaranteed Acceptance whole life is a type of Final Expense coverage that caters to clientele that have been declined by another carrier, or have significant health issues. The face amount of these polices are general 25k or less although they can be higher. They have a waiting period or a period of reduced benefits. For example, a policy will not pay the face amount until it has been enforce for two years. The guaranteed acceptance whole life reduced benefit period works by giving an insured their money back if the insured died in one year, it would give them 70% of their face amount in two years or it would give them a 100% of their face amount in three. Different variations exist depending upon the carrier. If you need additional information please click here.
Whole Life insurance has guaranteed premiums, death benefits, and cash value. Whole Life insurance policies also give you the potential to receive dividends, which can increase the value of the policy when the insured is living. For more information please click here.
A form of permanent Insurance that can last your entire life. The product is designed for a consumer that doesn't seek the build up of cash value instead just wants life long protection. This protection is the most affordable form of permanent insurance.
This is a flexible premium adjustable Life insurance plan that can allow a client to participate in the upside of the market without participating in the downside.