Life Insurance Services
Providing life insurance policies that make sense
Protect and Prepare Your loved Ones
Term Insurance
This policy is offered for a set period of time.
When beneficiaries are in need of important financial protection, this policy is best suited.
Details of this policy include:
- Initial premium is low
- Premium over time may increase
- Doesn’t allow for permanent coverage
- Generally lasts 10 -30 years
- Typically requires a health exam
- No cash value
- Guaranteed death benefits
- Not used for estate planning
Whole Insurance
This policy is offered on a permanent basis.
Whole life insurance lasts the entire duration of your life as long as premiums are paid.
Details of this policy include:
- Initial premium is a little higher
- Premium over time stays the same
- Allows for permanent coverage
- Requires a health exam
- Cash value accumulates over time
- Guaranteed death benefits
- Can be used for estate planning
Universal Insurance
This type of life insurance is permanent with an investment savings element and low premiums.
Policy holders can adjust their premiums and death benefits with this insurance.
Details of this policy include:
- Initial premium is low
- Adjustable premiums over time
- Cash value earns interest
- Can borrow against the accumulated cash value
- You can adjust death benefits
Final Expense Insurance
This type of life insurance is form of whole life insurance that has a small death benefit.
One of the best features of this insurance is that it is easier to get approved for.
Details of this policy include:
- Easy to qualify for
- Beneficiaries can use the payout for any purpose
- Death benefit is between $2,000 – $50,000
- Available to those with poor health
- Doesn’t require medical exam
- Death benefit is guaranteed as long as premiums are paid