Life Insurance

Term Life Insurance

Term insurance provides protection for a limited period of time, such as 10, 15, 20, or 30 years, and pays a benefit if the insured dies during this period. Although term policies typically do not accumulate cash value, many do offer a feature that allows you to convert to a permanent policy within a certain time. This can be beneficial if you’d like to buy a permanent policy but your budget right now does not allow it, or you like having the option to convert to a permanent policy later on.

The companies we represent not only are among the industry’s most financially stable but also offer an array of policies that provide us the ability to offer great rates for those with or without significant pre-existing health conditions. 

Please keep in mind that these products, and all of their features, benefits and riders, may not be available for sale in your state. Please contact us for more information about these and other products.

Universal Life Insurance

Universal life insurance can help meet the needs of people who desire long-term death benefit protection with a flexible premium structure.  Features include:

• Protection you can guarantee for your short periods based on premiums paid, your lifetime or any period you choose

• Choices in how and when you make your premium payments and how much to pay

• Two or three death benefit options for additional flexibility

• Potential for non-guaranteed tax-deferred cash value accumulation

Please keep in mind that these products, and all of their features, benefits and riders, may not be available for sale in your state. Please contact us for more information about these and other products.

final expense

Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass. A final expense policy is also known as burial or funeral insurance and is popular with seniors.

Most final expense plans have these features:

  • Whole life insurance – no expiration if premiums are paid

  • Cash value – insured may be able to take out a policy loan

  • Fixed premiums as long as they’re paid

  • Simplified issue – usually no medical exam is required, just health questions on the application

  • Easy application process

  • Fast approvals – coverage can often be issued in days

  • Affordable rates