NEW! Guaranteed Issue Life Insurance Offered
- NO MEDICAL QUESTIONS OR EXAM REQUIRED
- APPROVAL IS GUARANTEED!
- You cannot be declined or charged higher rates for medical reasons
- Term or Permanent Cash Value Plans to $100,000 at great rates
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Protect What Matters Most!
Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Types of Life Insurance:
- Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
- Final Expense Insurance is an insurance policy used to pay for funeral services and a burial when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies.
- Universal Life Insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.
- Indexed Universal Life Insurance, or IUL, is a type of universal life insurance. Rather than growing based on a fixed interest rate, it’s tied to the performance of a market index, like the S&P 500 or the Nasdaq 100 IUL insurance policies offer the possibility of cash accumulation while still providing a death benefit.
- Whole Life Insurance is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.
As the most basic form of cash-value life insurance, whole life insurance is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred.
- Term Insurance with Return of Premium (ROP) - Protection now - Money back later. With (ROP) term life insurance, you can get a 100% refund of the premiums you paid if you are still alive at the end of the term (statistically probable). Many find this attractive if they can afford the increased monthly payment as it provides the desired protection for the 20 or 30 years when their insurance need is highest and produces a lump sum tax free return at a time when retirement is approaching