LIFE INSURANCE
Who do you care most about in this life? Is it just one person, a group of people like your family, or your dogs?
Now, if you weren't here tomorrow; would they live a better or worse life?
The answer to that question is this:
Get life insurance and you'll never worry that the people you care the most about will struggle in your absence.
Life insurance provides peace of mind to keep your family or business protected from life's unthinkable events.
Life insurance pays a lump sum to your chosen beneficiaries after your death to use for expenses such as burial costs, mortgages, education, and all the things that society decides we need to pay for.
You pay monthly premiums to keep the contract in force and the amount you pay will be determined by how much in coverage you need.
You pay monthly premiums to keep the contract in force and the amount you pay will be determined by how much in coverage you need.
Get approved for up to $2 Million in coverage without a medical exam but the limit doesn't stop there, you can get millions of dollars in life insurance coverage depending on your needs.
Life insurance provides both financial and emotional benefits.
Financially, life insurance can provide your loved ones with a monetary safety net so they don’t have to struggle after your death.
Life insurance can also replace years, even decades, of lost income. It can help anyone that depends on you to maintain their lifestyle in your absence.
One of the fastest and most affordable ways to leave an inheritence for your loved ones is a good life insurance policy that not only covers final expenses but would leave behind money for mortgages, future education, car payments, and more.
What does the average funeral and end-of-life expenses cost?
Funerals and burials can cost up to $12,000.
Most people die with debts upwards of $100,000.
Life insurance will not only cover all the costs to lay your loved one to rest but you can leave money behind for your family to support them in a time they need it most.
The money can be used to pay off debts like mortgages, car payments, and credit cards.
Support your families current lifestyle if you're no longer around to provide for them with money left for the people you love most to use for groceries and education goals.
Mortgage and Income Protection
Get life insurance with benefits for you to use in case you're unable to work due to an illness or injury.
Certain life insurance policies are built to help replace lost income to cover mortgage payments, rent, and much more.
Find out what type of life insurance is best for you:
Term Life Policy
Term life insurance provides up to $2 Million in coverage for a certain period of time ranging from 10 - 30 years.
If you die during the time period specified, a death benefit will be paid to the beneficiaries of the policyholder to use for anything they need like groceries, car payments, rent, mortgages, and all the final expenses.
Life Insurance with Living Benefits
Life insurance is meant to benefit you while you're still alive.
These benefits are designed to help you cover the costs of medical expenses, long-term care, and other living expenses if you're unable to work due to an illness or injury.
You could have access to thousands of dollars in a time of need to cover rent, car payments, and the financial impact of unexpected moments in life.
Living benefits are offered as riders on a life insurance policy that allow you to access a portion of the death benefit if a qualified life event occurs like heart attacks, cancer, and so much more:
Whole Life Insurance
Whole life insurance provides permanent life insurance coverage that never expires and includes a cash value component that earns interest that grows in a tax-advantaged way for you to use to purchase assets.
The cash value can be used as a source of funding for education, purchasing of assets, emergencies, retirement planning, and more. Whole life insurance helps with financial planning, provides peace of mind knowing the ones you love most are protected, and can include living benefits which could replace your income if you're unable to work due to an illness or injury.
Getting whole life insurance for a child is one of the best opportunities to set them up for success with years of cash building interest they could use for college planning, buying their first car, and helping with security deposits on their first home.
Getting whole life insurance for a child is one of the best opportunities to set them up for success with years of cash building interest they could use for college planning, buying their first car, and helping with security deposits on their first home.
Final Expense Life Insurance
Final expense life insurance provides a death benefit to the beneficiaries that would be used for final burial expenses like cremation, purchasing a casket, or cemetary spot.
The policy is designed to cover the end-of-life expenses such as funeral arrangements, medical bills, any debts, and other related costs.
The coverage amounts for final expense policies are lower than other types of life insurance policies and as a result, the premiums for final expense policies tend to be very affordable with coverage amounts up to $50,000.
The policy is designed to cover the end-of-life expenses such as funeral arrangements, medical bills, any debts, and other related costs.
The coverage amounts for final expense policies are lower than other types of life insurance policies and as a result, the premiums for final expense policies tend to be very affordable with coverage amounts up to $50,000.
Stacy W.
"I was diagnosed with Stage 3 Breast Cancer back in 2021, thank God I had the living benefits on one of my life insurance policies because it saved our butts.
I was able to take $60,000 from my death benefit to help with chemo, our mortgage, and for me to take time off work to recover. HERE I AM!"
I was able to take $60,000 from my death benefit to help with chemo, our mortgage, and for me to take time off work to recover. HERE I AM!"
Julio M.
"Im a union electrician, one day on the job a transformer blew up in my face and I had 3rd degree burns all over my body and was hospitalized and in recovery for 3 months.
Workers comp through my union covered my medical bills but I lost my income and disability wasn't even close to what I needed. I had a life insurance policy with those living benefits and was able to pull $30,000 from my death benefit to replace all my lost income."
Workers comp through my union covered my medical bills but I lost my income and disability wasn't even close to what I needed. I had a life insurance policy with those living benefits and was able to pull $30,000 from my death benefit to replace all my lost income."