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    To set an appointment use the Schedule an Appointment button or Contact us.

    Most of our appointments are scheduled via zoom or by phone for the security and safety of our clients and agents for privacy and to guard against Covid. We can schedule a personal meeting if necessary.

    Yes, for fraud and security purposes you will need to provide ID at your scheduled appointment if you are providing sensitive information and your agent as well.

    The agent will have provided the information necessary for you to verify licensure prior to your appointment.

    Most of our companies will send you a copy by email and then a hard copy by mail within 48 hours of the date your policy was issued.

    Those that buy want to do so in case of death, disability, or critical illness. Secondly, to cover final expenses, pay off debt or leave a legacy. Thirdly, to protect their retirement income or provide an income stream. Those who benefit from buying include head of household, parents of a minor or special needs child, stay-at-home parents, divorced parents, homeowners with a mortgage, co-signer on a debt, wealthy individuals, business owners and those who want to leave a legacy or inheritance.

    First consider why you are buying life insurance is the financial strength of a company, what policies, riders and how much coverage you want. Next decide what company will best help you meet those goals and which companies offer those products. Do your research. Educate to empower yourself as much as possible. We can help you narrow those options since we represent 14 carriers. We are sure to find the right policy and coverage. Contact us or Schedule an Appointment for a free consultation.

    Financial Strength: Consider the company's financial rating. A number of rating agencies, such as AM Best, provide a credit rating score which indicates whether the company is likely to default on its debts. Policies: Not all companies offer all types of insurance.

    Coverage: Think about how much coverage you will need. As a rule, it is suggested that you buy 10 x your annual income. For example, if you make 50,000 a year, then you should buy a $500,000 life insurance plan. The amount of coverage is going to be based on a number of things such as age, medical history, marital status and dependents. Perhaps even, you have a spouse that works at home, or you may want to have a plan for college. to consider are debts, such as a mortgage, retirement or leaving a legacy for your family.

    Riders: Life insurance riders are typically add-ons that help you customize a standard policy to better meet your goals. There are so many more to choose from. Listed below are some common ones. We have policies where riders come with the policy at no additional.

    • Accelerated death benefit is a common rider that allows you to access the money in your death benefit before you die, typically in the case of a terminal illness, critical illness, or injury.
    • Term conversion rider — This lets you convert your term type policy to a permanent type of life insurance.
    • Accidental death and dismemberment — Pays a set amount of money for accidental death in addition to the regular death benefit.
    • Waiver of premium rider — If you become disabled this rider lets you waive the premiums for your policy.
    According to LIMBRA 83% of consumers state burial costs as a reason for purchasing life insurance. A 2021 National Funeral Direct Association (NFD) study indicates the average cost of a funeral, including a viewing and burial is $7,848. Adding a burial vault raises the cost to $9500. The U.S. Bureau of Labor and Statistics data show a 227.1% increase between 1987 and 2017.
    The beneficiary is who or what you select to receive the money from your life insurance money. This could be a person or an organization.

    The policyholder is the person who purchases the life insurance policy. This may be the same person who is being insured, the beneficiary, or someone else like a spouse.

    The death benefit is the money paid to the beneficiary after the person insured has passed away. The death benefit is usually paid only when the policy is paid up. It passes directly to the beneficiary, usually not subject to creditors or probate. It is generally tax free if passed in one lump sum.

    The cash value is the portion of your premium that is set aside in a separate account in your permanent life insurance policy. The cash value can earn interest or be invested. You can borrow from it, pay your premiums at some stage, or use it as an income stream.
    Some whole life policies pay dividends which are usually stock owned companies or mutual companies. This will depend on your policy, and you should check with your insurance company or agent to see if your current policy or the policy you are considering pays dividends.
    Life insurance companies must adhere to state laws on how long a beneficiary has to claim insurance benefits.
    Some companies will pay the death benefit for death by suicide. There are sometimes clauses or waiting periods within a life insurance policy, which generally expire two to three years after the policy was purchased. If you or anyone you know is contemplating suicide, call the National Suicide Prevention Lifeline at 800-273-8255. They are available 24 hours of the day and operate 150 crisis centers that offer encouragement and local resources.

    There are companies that offer cancer insurance but the terms will depend on both the insurance company, the type of cancer, treatment and whether or not you are in recovery.

    Didn't find the answer? Contact us or Schedule an Appointment for a free consultation.

    We offer wide and diversified plans that speak life to all the stages in your journey.

    Life Insurance
    Life Insurance
    Life Insurance
    Life Insurance

    Living benefits: Living responsibly

    Term Insurance provides coverage for a specific amount of time, between 1 – 35 years. Death benefit will pay out if the policy owner passes away within the term of the policy.
    • Cost effective option for young growing families or individuals looking for more affordable coverage
    • Certain term policies may allow for an option to renew
    • Policy may be converted to whole life
    Term Insurance provides coverage for a specific amount of time, between 1 – 35 years. Death benefit will pay out if the policy owner passes away within the term of the policy.
    • Cost effective option for young growing families or individuals looking for more affordable coverage
    • Certain term policies may allow for an option to renew
    • Policy may be converted to whole life
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    Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
    Whole Life provides benefits for the rest of the insured’s life. In addition, a whole life policy builds cash value. Premiums never change. The concept of Infinite Banking and generational wealth with compounded interest is fundamental to whole life insurance. Schedule an Appointment button or Contact us for a free consultation for more information.
    • Cash build up
    • Dividends
    • Premiums remain the same
    • Permanent until death of insured
    Final Expense is a whole life policy that has a small death benefit and is easier to get approved for. It is also called “burial insurance” or “simplified whole life” meaning no medical exam or labs are required. Qualifications are based on answers to health questions and a MIB or medical prescription report. Mortgage Protection Life Insurance – MPI – is designed to pay off your mortgage if the insured were to pass away. It is generally a combination of term and/or whole life insurance. Universal Life is a type of permanent life insurance with flexibility and cash value growth. Flexible premiums allow the insured to change the size and frequency of payments.
    Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit. It also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
    • Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains
    • Indexed accounts protect the insured from market decline with a guaranteed floor
    • Policy illustrations provide the policy owner with historical data to assist with making informed decisions on which markets to invest in
    • Cash value can grow tax-deferred
    • Can be structured to include living benefits which are
    Riders: are typically add-ons that help you customize a standard policy to better meet your goals. There are so many more to choose from. Listed below are some common ones. We have policies where riders come with the policy at no additional cost. Schedule an Appointment or Contact Us for a free consultation for more information.
    • Accelerated death benefit is a common rider that allows you to access the money in your death benefit before you die, typically in the case of a terminal illness, critical illness, or injury
    • Term conversion rider — This lets you convert your term type policy to a permanent type of life insurance
    • Accidental death and dismemberment — Pays a set amount of money for accidental death in addition to the regular death benefit
    • Waiver of premium rider — If you become disabled this rider lets you waive the premiums for your policy
    Accelerated Death Benefits or Living Benefits often come with the policy at no additional cost. The primary focus is to provide long term death benefit protection. But things come up and you may have an unexpected need to access your cash value – possibly to help with one of your children’s college expenses, to help supplement your retirement income, or to pay for emergency expenses. Whatever the reason, you can access your policy’s cash value through income tax-free loans and withdrawals. Policies may vary from carrier to carrier. Schedule an Appointment button or Contact us for a free consultation for more information.
    In most cases, the insured can access 50-100 percent of the face value of the policy to assist with routine long term care needs while they live for terminal illness, chronic illness or critical illness or injury.
    • Terminal Illness Rider – Provides an accelerated death benefit if the insured provides evidence from a physician that their life expectancy is 12 months or less
    • Chronic Illness Rider – Provides an accelerated death benefit if the insured is unable to perform two of six Activities of Daily Living (ADLs) for 90 consecutive days as certified by a physician or requires substantial supervision due to severe cognitive impairment
    • Critical Illness Rider – Provides an accelerated death benefit if the insured has been certified by a physician as having one or more of the following conditions within the prior 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, stroke, dementia (including Alzheimer’s), major burns, AIDS, or aortic aneurysm surgery
    Life insurance comes in many varieties and differs among carriers. We have attempted to give a general summary of the products and services we offer. It is impossible to give an exhaustive list of all the combinations to provide the value life insurance can give. That is why it is important to Schedule an Appointment or Contact us for a free consultation for more information.