Term Life Insurance
If you want an affordable option to protect your loved ones, Term Life Insurance may be for you. Term Life Insurance is one of the most straightforward insurance policies because it offers protection for a specific number of years.
Term Life Insurance policies generally offer the greatest amount of coverage for the lowest initial cost. You generally pay premiums on a monthly or annual basis and your family is protected for that "term”. Term life provides insurance in predetermined lengths of time, such as 10 or 20 years, during which the company offers level premiums that are guaranteed not to increase.
When purchasing a Term Life Insurance policy, you get the following benefits:
- Valuable coverage at an affordable price
- Help for a family's loss of income
- Coverage for short-term debts and needs
- Additional insurance protection during the child-raising years
- Help with specific financial responsibilities like mortgage or college expenses
Indexed Universal Life Insurance
Index Universal Life (IUL) policies offer a balance of permanent life insurance coverage with the opportunity for cash value growth. Our Indexed universal life insurance selection of products provides the opportunity to grow financially with protection from market downturns.
Indexed Universal Life policies offer tax-deferred cash accumulation for retirement, while maintaining permanent death benefit. A portion of your premium is linked to the S&P 500 index, often with 14% cap on your growth. Your interest credited yearly is guaranteed never to be less than zero. There are also loan strategies that provide clients with income until they reach 120 years of age.
Indexed Universal Life can be an excellent strategy to protect your family during your working years and continue to protect you when you reach retirement age.
Indexed Universal Life provides the following benefits:
- Upside of the Market
- Downside Protection
- No Risk
- Tax Free Retirement
- Death Benefit
Final Expense Life Insurance
Losing a loved one is a difficult experience. Final Expense Life Insurance can help families deal with grief, rather than worry about burial expenses.
Expenses associated with death, such as caskets and embalming, can have a substantial financial impact on loved ones. Final Expense Life Insurance can save families from having to withdraw from their savings to come up with the necessary funds required to bury a loved one.
Final Expense Life Insurance is a permanent life insurance policy designed to help cover the costs associated with funeral and burial expenses, unpaid medical bills, or any financial obligation that your family may face.
Mortgage Protection Life Insurance
Do you have a mortgage? Your family may be at risk! Ask about how you can protect your family with Mortgage Protection Life Insurance. This insurance is designed to protect your loved ones while you finish paying off your home.
This type of life insurance pays off your mortgage if you die before your home loan is paid in full.