Signed in as:
filler@godaddy.com
LIFE PRODUCTS WE OFFER
Whole
Universal life
Whole
Whole Life Insurance is a type of coverage that lasts for your whole life. The monthly premiums are generally higher than Term Life.
Term
Universal life
Whole
Term Life Insurance protects you and your family for a limited time, usually for 10, 20 or 30 years. The monthly premiums are much lower than Whole Life and generally have a higher coverage limit.
Universal life
Universal life
Universal life
Universal life is flexible permanent insurance—you can adjust premiums and death benefit, with cash value that grows at a credited rate; when funded properly (or with a no-lapse guarantee), coverage can last for life.
Final Expense Life
Final Expense Life
Final Expense Life
Final Expense Plans are small whole life insurance plans that can generally be paid out within a few years and are then guaranteed upon exit.
Child Life
Final Expense Life
Final Expense Life
Child life insurance is a small whole life policy designed to protect a child’s future insurability and provide lifelong coverage. These plans build cash value over time and can be transferred to the child as an adult, ensuring permanent protection and a financial head start.
10/20 Pay
Final Expense Life
10/20 Pay
10-Pay Life Insurance is a whole life policy designed to be fully paid off in just ten years. After the 10-year payment period, the coverage remains active for life with no additional premiums. These plans are ideal for clients who want permanent protection, guaranteed cash value growth, and a quick path to a paid-up policy.
FREQUENTLY ASKED QUESTIONS
What is Life Insurance and why do I need it?
Life insurance provides financial protection for your loved ones in the event of your passing. It helps cover expenses such as funeral costs, debts, mortgage payments, and ongoing living expenses — ensuring your family’s financial security.
What types of life insurance do you offer?
We offer a range of options including Term Life, Whole Life, and Universal Life insurance. Each plan is designed to fit different needs — whether you want affordable temporary coverage or long-term protection that builds cash value.
How much life insurance coverage do I need?
The right amount depends on your income, debts, and financial goals. A general rule is to have coverage equal to 10–15 times your annual income, but we help each client find the amount that fits their specific situation.
Can I get life insurance without a medical exam?
Yes! Many of our plans offer no medical exam options, making it quick and simple to apply — especially for smaller coverage amounts or final expense policies.
How much does life insurance cost?
Rates depend on factors like age, health, and coverage amount. The good news? Life insurance is often more affordable than most people think — and locking in a policy early helps you secure lower rates for life.
Can I have more than one life insurance policy?
Yes! Many people choose to have multiple policies to cover different financial goals — such as a term policy for mortgage protection and a whole life policy for long-term savings or final expenses. We can help you layer coverage that fits your needs and budget.
