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Life Insurance

Life insurance stands as a remarkable and unparalleled product, and understanding its profound impact is crucial when making significant decisions. Whether you’re planning for retirement, safeguarding your dream home with mortgage protection, or supporting aging family members, life insurance offers a tangible expression of love through financial security.

In times of unexpected loss, it becomes an invaluable shield for your loved ones.

Leading solutions for leading insurance advisors.

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Life Insurance

Life insurance stands as a remarkable and unparalleled product, and understanding its profound impact is crucial when making significant decisions. Whether you’re planning for retirement, safeguarding your dream home with mortgage protection, or supporting aging family members, life insurance offers a tangible expression of love through financial security.

In times of unexpected loss, it becomes an invaluable shield for your loved ones.

Personalized Solutions

For unique needs.

Accidental

Embracing the golden years with a sense of security, accidental-only life insurance, or accidental death and dismemberment (AD&D) insurance, offers a tailored layer of protection for those over the age of 60. This specialized insurance provides coverage exclusively for death or bodily injuries resulting from accidents, acknowledging the unique needs of individuals in this stage of life. Unlike traditional life insurance policies, which cast a wide net, accidental-only life insurance steps in with benefits specifically tied to covered accidents.

The added reassurance extends beyond accidental death, potentially covering specific injuries or losses, such as the loss of a limb or eyesight. For those who prioritize a focused approach to safeguarding against the uncertainties of accidental death or injury, this insurance presents itself as a thoughtful and customizable solution for peace of mind.

Final Expense

Final expense insurance, a thoughtful financial safeguard, aims to gracefully handle the financial aspects your loved ones may encounter following your passing. Encompassing medical bills and funeral expenses, it's often referred to as burial insurance, reflecting its compassionate nature.

Even modest funerals can incur substantial costs, but this insurance provides a comforting solution without the need for stressful medical exams. Tailored for those aged 50 to 85, it ensures peace of mind by remaining in force throughout the insured individual's lifetime, offering a reliable and considerate means of addressing inevitable expenses with dignity.

Term

The key to comprehensive protection at an incredibly affordable cost. This unique form of temporary coverage ensures that your loved ones are financially secure in the unfortunate event of your passing during the policy term. Imagine the peace of mind knowing that your mortgage, new investments like a car, student debt, and even unexpected hospital expenses are all covered.

Term Life Insurance goes beyond mere protection; it offers a bouquet of living benefits for the insured, providing flexibility and ease of transition. What’s more, the option to convert to a permanent policy awaits you without the hassle of a medical exam when the time is right. This is especially crucial for those seeking substantial coverage without breaking the bank with a budget-friendly monthly premium. Secure your present and future without compromise – choose Term Life Insurance today.

Guarantees

Assured Death Benefit: Rest easy knowing that your loved ones are guaranteed financial protection in times of need.

Living Benefits: Term Life Insurance not only secures your future but also offers immediate living benefits for a fuller, worry-free life.

Flexibility

Tailored Terms: Choose the term that aligns seamlessly with your unique needs – whether it’s 10, 15, 20, 25, or 30 years.

Seamless Transition

Experience unparalleled flexibility as the initial coverage you select can seamlessly evolve into a permanent plan with some of our esteemed companies, eliminating the need for new insurance or additional subscriptions.

Affordability

Cost-Effective Coverage: Enjoy the peace of mind that comes with relatively inexpensive insurance, perfectly tailored to the number of years and coverage amount that best suits your individual requirements. Your financial security doesn’t have to break the bank!

Mortgage Protection

Mortgage protection insurance deals with covering the debt of your house with a life insurance policy if the owner of the property or breadwinner of the house suddenly becomes terminally ill or suffers an unexpected death. Therefore, it guarantees the financial security of your family. Mortgage protection is the best way to protect your biggest investment: your home. This life insurance is designed to replace your income in case of premature death, so that your family has financial security.

In a situation in which the insured suffers a critical, chronic, terminal illness or death, it gives the family time to make a smart decision instead of being forced to sell the property quickly to alleviate the increasing financial pressures. Having that piece of mind knowing your home will always rest easy and be protected is the best gift you can give to the family you love.

Whole Life

Whole life insurance is a smart choice for securing your future. It lasts your whole life while offering more guarantees than other policies. The premiums stay the same over time, providing stability throughout the years. As time goes on, the policy builds cash value with tax advantages, giving you a financial resource to lean on.

What's great is that the policy also provides benefits while you're alive. If you face a serious illness, it offers financial support when you need it most. In a nutshell, whole life insurance is a reliable way to protect yourself long-term, ensuring financial stability and peace of mind.

Universal Life

Imagine being able to adjust your policy and premiums as your needs change. Having a universal life policy, you're the boss. Want to save more? You can add extra money to see your savings grow. Need to increase or reduce your coverage? Easy!

There are two types to choose from: Fixed Universal Life and Indexed Universal Life. The fixed one has a set interest rate, while the indexed one adds a bit of fun by crediting interest based on changes in a major market index. Our agents are like your personal guides, giving you all the information you need to make the right choices. These policies aren't just about coverage; they're a way to save for the long term. It's the best of both worlds – savings and coverage in one plan. Get ready for the excitement of universal life insurance, where you're in control of your financial future!

Access to

30+ national carriers

Process

How it works

Step 1

Request your quote

Fill out a simple form and we’ll gather your top insurance quotes.

Step 2

Compare your options

Talk with one of our advisors to compare and understand your options.

Step 3

Secure your policy

We will handle the boring insurance paperwork so you can get back to what you’d rather be doing.

Frequent Asked

Questions

Do I need life insurance?

Life insurance is designed to provide a financial safety net to your beneficiaries, which can be for family, business, or estate after you pass away. The decision to buy life insurance depends on the needs and goals that an individual is trying to accomplish. Consider factors like your current salary, anticipated expenses, and the impact your death may have on your dependents or loved ones. 

  1. Income Replacement: If your family relies on your income to maintain their lifestyle, life insurance can be crucial. Over half of households depend on dual incomes, and losing an income can result in financial struggles moving forward. 
  2. End-of-Life Costs: Funerals and burials can be expensive. On average, a basic funeral and burial can cost between $8,000 - $12,000, while a funeral and cremation has an average cost between $5,000 - $7,000. 
  3. Debts and Obligations: If you have outstanding debts (such as a mortgage, car loan, or credit card balances) or other financial obligations, life insurance can provide peace of mind. 
  4. Estate Planning: Life insurance can play a role in estate planning. It helps protect your assets and ensures a smooth transfer of wealth to your heirs or beneficiaries. 
How do I know how much insurance I need?

Evaluate Your Financial Obligations

Consider your outstanding debts such as mortgages, car loans and credit card balances. How much would it take to pay off these obligations if you were no longer around? Consider other financial responsibilities, like college tuition for your children or ongoing medical expenses.

Income Replacement

Calculate how much income your family would need if you were to pass away. This includes covering daily living expenses, education costs, and any other financial needs.

A common rule of thumb is to aim for coverage that's 5 to 10 times your annual income. Adjust this based on your specific circumstances.

Future Goals and Aspirations

Think about your family's long-term goals. Do you want to provide for your children's education or leave a legacy for your heirs? Life insurance can help achieve these goals by providing a lump sum payout.

Health and Age

Your health and age impact the cost of insurance. Generally, younger and healthier individuals pay lower premiums. Consider locking in a fixed monthly premium and coverage while you're young and healthy.

How are life insurance rates determined?

Rates are primarily based on age and the current health of the client at the time of applying for coverage. The younger and healthier you are, the more affordable the premium will be.

 

Since younger individuals have a much lower risk of passing away due to health conditions, the risk is also lower for the insurance company having to pay out benefits, the result is a more affordable plan for you. Once you are approved, the rates are locked in for the life of the insured.

Can I make changes to my life insurance policy?

Policy changes are available at any time depending on the type of change. We recommend contacting your life insurance agent with any modifications to your policy first as some may require additional steps to complete than others. Most changes to your life insurance policy usually have no additional cost, unless it involves an increase in the death benefit amount or adding another insured to the current plan.

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