TERM LIFE INSURANCE
THE MOST AFFORDABLE LIFE INSURANCE
Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none that you don't. That's why it's the best choice for almost everyone.
As the name implies, a term insurance policy is good for a specific period of time; that can be one year, 10 years, 20 years or even up to 30 years. Given that you generally need life insurance only until you've managed to save up money elsewhere, just pick the term that dovetails with the time you need coverage. If you die during that term, your beneficiaries get a payout, known as the death benefit. If you die after the term expires, there's no payout.
Term policies typically have maximum issue ages. If you're past age 80, you'll have a hard time getting term insurance. (You almost certainly won't need it at that age anyway.)
How long could your family pay the bills if something happened to you? You know what it takes to provide and care for your family. And, you understand both the immediate and the ongoing expenses that would have to be met if you suddenly weren't there.
What you may not know is how simple it can be to purchase life insurance coverage so that, should the unexpected happen, the financial resources your family needs will be there.
WHOLE LIFE INSURANCE
WHOLE LIFE INSURANCE TAKE CARE OF YOUR FAMILY TODAY
A form of permanent life insurance, whole life insurance features 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 or provide an increased death benefit for your beneficiaries. Depending on your situation, this might be the best policy for you. Lets sit down today and find out what is the best option for you!
I offer free, no obligation quotes on permanent insurance. Email, call or text me for your free quote. I have since become an independent agent and represent the client (You). I use many different companies to find you the best product which meets your needs.
I look forward to hearing from you!
Universal Life Insurance
WHOLE LIFE INSURANCE TAKE CARE OF YOUR FAMILY TODAY
Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.
Guaranteed Protection lets you choose, within limits, the length of the protection guarantee and the premium payment schedule up front — both are then guaranteed not to change so long as the premiums are paid as planned.1
Cash Value Accumulation grows through crediting interest rates. Cash value will grow tax-deferred and can be withdrawn or borrowed from the policy. It also allows you to change, within limits, your premium payments and death benefit.
There are many reason why my clients choose Universal Life. Universal Life Insurance can help Provide for your child's education. If you die unexpectedly, the death benefit can help replace your income and help provide the money for your child's education. If you live, cash values can be borrowed or withdrawn to help with education expenses while still maintaining the life insurance coverage. There are many great reason why Universal Life Insurance might work best for you!
Contact me today for a free consultation!
Final Expense Insurance
HAVE YOUR FUNERAL COSTS COVERED
Final expense insurance is designed to cover the bills that your loved ones will face after your death – think medical bills and funeral expenses. Final expense insurance is also known as burial insurance, since even bare-bones funerals cost thousands of dollars. Do you want the piece of mind knowing that your funeral expenses will not be a burden on your family? This might be the best option for you.
Do you know the difference between life insurance and final expense insurance? Life insurance is designed to create an estate, usually to either pay off a mortgage, debt, cars, build trusts, ect.. Usually those larger policies take many weeks, or even MONTHS to pay out presuming you or your loved ones death meets their criteria to pay out.
What my company offers is payment in less then 24 hours with Final Expense Insurance!
Contact me today for more information and a free consultation to make sure this is the best policy for you!