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Thanks to the great Life insurance companies we work with, we can definitely bring you the best monthly prices in the Nation. Our unique Life Insurance Plans let you choose what suits you best according to your needs.

Final Expense. 

  • Final expense insurance is also known as burial insurance and it is a type of permanent (Whole Life) life insurance product geared towards people ages 40-90.

  • Provides Peace of mind with a fixed death benefit and monthly payment.

  • Final Expense policies can provide funeral and burial coverage.

  • This type of policy is perfect if you have been turned down before under a regular policy.

  • It is also the right type of policy if you just want a Plan to pay for your burial/funeral services.

  • Coverage amounts up to $35,000.

  •  This type of Plan will pay accidental death, terminal illness or natural causes to the beneficiary.

  • No Social Security Required in most cases.

  • Most health issues accepted under this Plan.

Whole Life (Permanent) Plans.

  • Death Benefit is guaranteed never to go down.

  • Premiums are guaranteed never to go up.

  • Benefits are paid to your beneficiary and are not subject to federal income tax.

  • This plan cannot be canceled because of changes to your age or health as long as premiums are paid.

  • Cash value grows over time, as long as premiums are paid.

  • No Medical Exams or blood work required as part of the application process in most cases.

Term Insurance Plans with a defined Period of Time with a defined Coverage and Premium.. 

  • 10 year Term Plans 

  • 15 year Term Plans

  • 20 year Term Plans

  • 30 Year Term Plans

Term Insurance with a Return of Premium Rider

  • Plans are only for 20 years and as a result, all of your annual paid premiums are refunded to you at the end of the term period. Coverage terminates if premiums are refunded and therefore, any outstanding policy loan will reduce this amount.

  • Convertible to a permanent plan of insurance without proof of insurability.

Guaranteed Universal Life Plan

  • Flexible-premium, adjustable-benefit life insurance contract which also accumulates cash value.

  • No Medical Exams or blood work required as part of the application process.

  • No stated maximum coverage amount.

  • No-lapse guarantee when minimum premium is paid.

  • Guaranteed Cash Out option on Year 20, 30 and 35.

Index Universal Life

  • Since it is linked to a market index (S&P 500), its benefit amount has the potential to grow.

  • The insurance company invests part of the premium you pay in a stock index, and shares the gains with you. 

  • Your policy may guarantee a minimum rate of return that ranges from 1 to 2 percent, or may simply promise that no matter how poorly the stock market does, your principal is protected and will not lose any of the capital you invested, either.

  • The policy’s earnings are Tax deferred.

  • These types of policies may cap the maximum return that a policyholder can receive.

  •  They are usually not very expensive (due to lack of management), and are safer than many other products.

  • Indexed Universal Life Insurance, offer beneficiaries a lump sum payout of the capital you invested that is not subject to income taxes.

Annuities

  • Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future.

  • You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.

  • It is an insurance contracts whose payments are guaranteed by the company issuing the contract.

  • Deferred annuities can help you save more for retirement and defer taxes.

  • Deferred income annuities can create a future stream of income while helping protect savings from market fluctuations.

  • Immediate income annuities can be a source of guaranteed income that will last as long as you want, or as long as you live.

  •  If you make withdrawals before age 59½, you may be subject to a 10% IRS penalty.

Accidental Death Plans

  • This plan will provide a death benefit due to an accidental death.

  • It is a great addition to existing coverage.

  • This plan comes with a return of premium feature which in return will refund annual premium paid after 20 years and coverage will also terminate.

  • It may be the easiest way to provide additional insurance to your loved ones, due to No health questions on the application.

 
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