Life Insurance
How many times have you seen a burial expenses or even medical expenses "GoFundMe" page for a friend, loved one, co-worker or maybe even seen one shared on your Facebook page? We want to help make sure your friends and family don't have to create one for you!
Many people believe life insurance only for the elderly, for the sick, too expensive or can only be used when you pass. That is simply not the case, the best time to get life insurance is when you are young and healthy, but there are affordable plans for every age! Living benefits allow you to access a portion or all of the value of your life insurance for multiple reasons, such as INJURY or ILLNESS!
Our licensed insurance specialists are here to help you with your life insurance needs. We do a full assessment and compare rates with industry leading companies. This ensures you do not have to shop around and you have the BEST coverage available for you!
Term Life Insurance
Often larger policies that have a "term limit" or expiration date. These policies, may simply stop after 10,15, 20 or even 30 years or the premium may increase in order to maintain the same level of coverage. These polices have optional riders for disability, chronic or
Whole Life Insurance
This type of life insurance is designed to last the entire life of the policy holder. The rates never increase and they build cash value. The amount of the policy will vary depending each person's desire, needs and wants.
Mortgage Protection Insurance
A term policy designed to either pay the mortgage payments or pay off the mortgage in the case of disability, chronic or terminal illness and death. These policies can have a set benefit amount, or be designed to decrease as the mortgage goes down.
Burial or Final Expense Insurance
This is a type of whole life policy designed specifically to cover end of life expenses. Age range for these types of policies are typically 45-90, and the face value is typically between $5,000 -$35,000.00. Not all companies offer the same age range or face value.