Term Life Insurance
Term life insurance is the easiest to obtain and the most affordable life insurance policy on the market today. Term life insurance is only effective for a specified amount of time (5, 10, 20, 30 years). You can also obtain high face amounts for relatively low premiums.
We can find you Term life insurance that has affordable premiums, are renewable, and can be converted to a whole life policy after the term is done.
Universal Life Insurance
Universal life insurance is desirable because of the policy’s flexibility and ability to adjust to your changing needs of coverage. Some changes do require underwriting approval but for the most part you can adjust the policy to cover specific amounts of time and pay out specific death dividends.
We can find you a universal life insurance policy with flexible coverage, adjustable death benefits and tax-deferred credit.
Whole Life Insurance
Whole life insurance policies or permanent life insurance policies will cover you for as long as you contribute your monthly premiums.
We can find you a whole life insurance policy with fixed coverage rates (as opposed to term life rates), cash value for your payments, and possible dividends.
Final Expense Insurance
Final Expense Insurance addresses the costs related to your funeral arrangements, whether they involve burial or cremation, as well as any remaining debts you may owe.
Though it may be something you don’t want to think about, having this coverage can be very helpful to the surviving members of your family in their most difficult times.
The final expense insurance death benefit will be paid directly to your beneficiary to help cover the following expenses:
- Burial Fees
- Casket & Cemetery Plot
- Cremation Services
- Headstone or Urn
- Hearse Costs
- Any additional funds can be applied towards:
- Doctor Fees
- Outstanding Debts
- Taxes & Probate
We can find you a final expense insurance plan that is suitable for you. Please don’t hesitate to give us a call and get your free final expense insurance quotes.
Group Life Insurance
Group life insurance can be offered to you and your employees as well as group health and dental. Affordable life insurance options for your employees will help you find and retain good employees. It will also give them access to a product that they may not have been able to afford before.
Group life insurance includes benefits like:
- Cover final expenses
- Provide your heirs with an inheritance
- Continue providing for your dependents
- Contributing to charities
- Pay federal and state death taxes
- A retirement savings account
We have access to all of the major carriers for group dental insurance. Let us know if you would like to add group life insurance to your group health proposal.