We know that as your family and assets grow so does your risk.  This is why we offer solutions that pay off your home, pay off your debt, pay for your funeral, and even help replace your income  for your family in the event of your death.  Life Insurance can do all of this.
 

We offer many different types of life insurance:

 

• Term Life

• No Exam Life Insurance

• Life Insurance with Living Benefits

• Indexed Universal Life

• Universal Life

• Whole Life

• Final Expense Burial Policy

• Guaranteed Issue Whole Life Insurance

• See Summary of Coverages below

 

No matter the type you need, we've got you covered. You can use life insurance for many different things:
​

• Money to leave behind for your family's well being

• Money to use when you become ill with a qualifying terminal, chronic, or critical illness(1)

• Potential for supplemental retirement income using tax-free life insurance policy loans and withdrawals (2)

• College Funding for your child

• Funding a buy sell agreement for a business buyout

• Executive Bonus for key Employees

• Premium Financing - leveraging funds to buy large amounts of life insurance

• Mortgage Protection - paying off your home at death

• Final Expense Planning - paying for your funeral/burial

​

Summary of life insurance coverages we offer below:

Term Life Insurance
You can buy more term life insurance with less premium than any other coverage. This coverage is limited to a term of typically 10, 15, 20, 25, 30, and in some cases 40 years. The premium and the death benefit stay the same during the term period. Once the term period expires the premium will significantly increase because is will go off your current age. At this point the coverage can get unaffordable and most people typically drop the coverage and look for a new policy. To qualify for this coverage your application will be subject to underwriting by the insurance company you applied with. A medical exam, medical Information Bureau (MIB) check, and prescription check will be ordered by the insurance company. If everything checks out, the insurance company will approve your application. 

No Exam Life Insurance
This type coverage requires no exam. You can get no exam life insurance on any type of coverage.  There will be limitations to the amount of coverage you can apply for. To qualify for this coverage your application will be subject to underwriting by the insurance company you applied with. A medical Information Bureau (MIB) check, and prescription check will be ordered by the insurance company. If everything checks out, the insurance company will approve your application. 

​

Life Insurance with Living Benefits
This type of life insurance offers living benefits typically at no additional cost. Living benefits allow you to use a portion of the death benefit while you are alive in the event that you are diagnosed with a terminal, chronic, or critical illness(1). If you are diagnosed with one of these illnesses, a claim will be filed with the insurance company. The insurance company will request your medical records to confirm your illness and research out the degree of severity. Once your condition is confirmed by the insurance company, they will offer a cash amount in most cases which will be deducted from your death benefit. The cash amount will be based on the severity of your condition. Typically they will not pay out for a minor condition. To qualify for this coverage your application will be subject to underwriting by the insurance company you applied with. A medical exam, medical Information Bureau (MIB) check, and prescription check will be ordered by the insurance company. If everything checks out, the insurance company will approve your application. 

Indexed Universal Life
This type of life insurance is a form of permanent life insurance that can last until age 120. This coverage builds cash value by tracking a choice of market indices offered by the insurance company. If the index has a positive year you make interest (Interest may be limited by cap, participation rate, or spread designated by the insurance company. The insurance company has the right to adjust these rates on a yearly basis). If the index has a negative year, no interest is made or lost. The policy cash value can be used to pay the policy premiums, withdraw to use how you please,  take out a loan to use how you please, or even supplement your retirement with tax free loans (2). You can also surrender your policy and get a check for the cash value, if you don't want/need it anymore. To qualify for this coverage your application will be subject to underwriting by the insurance company you applied with. A medical exam, medical Information Bureau (MIB) check, and prescription check will be ordered by the insurance company. If everything checks out, the insurance company will approve your application. 

Universal Life
This type of life insurance is a form of permanent life insurance that can last until your age 100 or 120 depending on the providing insurance company. This policy builds cash value based upon an interest rate the insurance company provides. The interest rate can be adjusted by the insurance company on a yearly basis. The policy cash value can be used to pay the policy premiums, withdraw to use how you please,  or take out a loan to use how you please in most cases. You can also surrender your policy and get a check for the cash value, if you don't want/need it anymore. To qualify for this coverage your application will be subject to underwriting by the insurance company you applied with. A medical exam, medical Information Bureau (MIB) check, and prescription check will be ordered by the insurance company. If everything checks out, the insurance company will approve your application. 
 

Whole Life/Final Expense​
This type of life insurance is called whole life because it lasts your whole life or till age 100 or age 120 depending on the insurance companies policy specs. The policy builds cash value based on a fixed interest rate that does not change for the life of the policy. The death benefit and premiums never change for the life of the policy. The policy cash value can be used to pay the policy premiums or take out a loan to use how you please.

​

Final Expense Burial Policy
This type of policy refers to a small whole life policy that is used to pay for burial expenses. These policies are easier to qualify for then traditional life insurance because the typically look at the last 2 years of health history. Guaranteed issue policies can be used for final expense for those not in good health. The policy builds cash value based on a fixed interest rate that does not change for the life of the policy. The death benefit and premiums never change for the life of the policy. The policy cash value can be used to pay the policy premiums or take out a loan to use how you please. You can also surrender your policy and get a check for the cash value, if you don't want/need it anymore. To qualified the insurance company does simplified underwriting with no exam, a medical information check, and prescription check.

Guaranteed Issue Whole Life
This type of policy is also a small whole life policy. Most insurance companies will offer coverage if you are between the age of 50 to 80. Some companies will go younger ages and some older. Even if you are in extremely bad health, coverage is guaranteed approval as long as you are alive. There is no health questions, underwriting, or exam required. The policy builds cash value based on a fixed interest rate that does not change for the life of the policy. The death benefit and premiums never change for the life of the policy. The policy cash value can be used to pay the policy premiums or take out a loan to use how you please. You can also surrender your policy and get a check for the cash value, if you don't want/need it anymore. To qualify, you must be alive and between ages 50 to 80 for most insurance companies.

If you would like to receive a customized quote, click the button below that says get a customized quote. If you want a general idea of what a term or whole quote would look like for you, which doesn't include all the insurance companies we work with, click instant quote. If you just want to get some coverage now and do not want to or have time to talk with an agent, click instant coverage now. 

​