Ways we can help...
Whole Life Insurance
Whole life insurance, or sometimes referred to as traditional life insurance is a core of what we do. It stays with you until the end. This type of coverage is for long term planning. The younger you are when you get it, the better. Coverage can begin at age 1. All rates are based on age and health.
Final Expense Insurance
Final Expense Life Insurance is a form of Whole Life. The coverage is primarily designed to cover ones final expenses, thus the name. It retains the same benefits such as fixed premiums and builds cash value, An advantage of Final Expense coverage is the underwriting is a little for forgiving. Which means you could be approved for a final expense plan when a traditional whole life policy might not be an option. Coverages usually can go up to $35,000!
Term Life
Term life insurance by definition is for a certain term. Whether it be for 10, 15, 20, or 30 years. This type of coverage is designed to pay off debt and replace lost income in the event of an unexpected loss. Term offers the ability to get far more coverage for less money than whole life does. But... it is temporary. This is excellent coverage to have, but you do not want this to be your sole insurance coverage due to the temporary nature. Note: Some term policies DO have the options to convert to whole life before the policy expiration. Ask us for details on how this might be a good option for you.