Life insurance Services
Whether you are in need of personal insurance coverage or for a loved one, we have a range of policies to suit your unique needs. We are dedicated to providing personalized service, and will work closely with you to tailor a coverage plan that meets your specific requirements and budget. At the end of the day . . . we specialize in providing comprehensive coverage solutions to protect what matters most to you..
Life Insurance consultations
What is life insurance?
Life insurance is a contract with an insurance company that provides your beneficiary with a death benefit when you pass away.
What is a death benefit?
A death benefit is the cash payout from your life insurance policy. It is tax-free.
Do I need life insurance?
You need life insurance if you would leave behind debt or if your loved ones would face financial hardship when you pass away.
What kind of life insurance do I need?
We believe that there is no one-size-fits-all insurance plan. Everyone has different life insurance needs – discover your options in our life insurance guide.
How much does life insurance cost?
Much less than you might think! Term life insurance is generally the most affordable policy you can get – rates start at less than $20/month.
What is a beneficiary?
A beneficiary is the person who will receive the death benefit of your life insurance policy when you pass away. With this designation comes a lot of responsibility, so it’s important to choose someone who you trust.
How does life insurance work?
You make monthly or annual payments – known as “premiums” – to your life insurance company to maintain coverage. In turn, your insurance company would provide a death benefit if you were to pass away (or face a covered critical illness or disability) while your policy is in force.
I have employer-sponsored life insurance. Do I need more?
In some cases, yes. You may want to consider an additional policy to get the right amount of coverage for your life – and to ensure your family is protected if you experience a change in employment.
Will I be approved for life insurance?
Most people (even those who have pre-existing medical conditions) can be approved for life insurance coverage. Life insurance rates and approvals are based on your health, age and lifestyle at the time you apply.
What is a rider?
Life insurance riders are policy add-ons that can help you prepare for unexpected events that may arise while you are still alive, such as a disability or critical illness diagnosis.
mortgage protection
Mortgage protection insurance is designed to cover your mortgage payments, so most people select a policy term that is close to the number of years they will have outstanding mortgage payments.
Once your application for insurance is approved by the insurance company, you will pay a monthly or annual premium. As long as your premiums are paid on time, your policy remains in-force (active). If you pass away during this time, the insurance company will cover the remainder of your mortgage payments so your loved ones can stay in the family home.
Final Expense
Final expense insurance is whole life insurance with a small death benefit intended to cover funeral and other final expenses. Final expense policies don’t require a medical exam and are easy to qualify for; many don't even ask medical questions.
A final expense policy eases the burden of end-of-life costs on your family; the average funeral cost is around $8,000, and other final bills can include medical expenses and long or short-term care costs.
We recommend getting final expense life insurance if:
You’re a senior or retired. If you’re in your golden years and no longer eligible for traditional coverage, final expense insurance ensures that your funeral, burial, and other related expenses are taken care of without depleting your savings or retirement funds.
You have limited savings. If you haven’t saved enough to cover end-of-life expenses, final expense insurance can provide a financial safety net for your family.
You have serious health concerns. Even people with serious medical conditions are eligible for final expense insurance, making it a viable option for people with health conditions that prohibit them from getting traditional coverage.
Tax free retirement
Indexed universal life (often shortened to IUL) is a type of universal life insurance product that offers a death benefit coupled with a cash value account that can be used to pay policy premiums or take withdrawals and loans. Indexed life usually provides a floor of 0%, but offers higher upside interest crediting based on the performance of an outside stock index such as the S&P 500 Index. Indexed life insurance is a moderately conservative interest-sensitive life insurance product.
Our IUL policies allow you to invest and grow your premiums by pinning returns to market indexes such as the S&P 500 or Nasdaq 100. You will have the potential for tax-advantaged growth of up to 7-9% on your cash value with a guaranteed floor (often 0%) that helps protect your value against market downturns. Plus there are no income restrictions unlike most other tax advantaged investment vehicles.
You can spend the money from your cash-value on whatever you need and still have a death benefit from your active policy that protects your beneficiaries when you pass. We provide a best-of-both-worlds experience where your loved ones are covered in the future while you can build wealth today for a future of your own.