Our plans are issued on a simplified issue basis that involves a short application without additional medical requirements or exams. Each plan creates cash value that is accessible by policy loans (loans reduce the death proceeds), allows easy premium payment through bank draft or billings, and can never be cancelled except for nonpayment of premium. We also have plans that ask absolutely no health questions, guaranteeing your insurability regardless of your health history.
In the event of tragedy, mortgage term life insurance policy helps guarantee your loved ones a tax-free death benefit. These funds can help your family with mortgage payments and everyday expenses. Policy terms are available for 15 to 30 years.
Purchasing a Whole Life Insurance policy guarantees that you will receive the face amount of the policy, providing immediate security to you and your loved ones. Over time, the cash value of the policy will accumulate on a tax-deferred basis. Also, should you ever have a financial emergency; you can access the loan value of your policy through a policy loan. Best of all, your premium payments always remain the same, even as you grow older, providing for affordable lifetime coverage.
insurance (UL) comes in a lot of different options, from fixed-rate models to variable ones, where you select various equity accounts to invest in. Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account.
In today’s economy, retirement income is no longer as certain as it once was. It’s becoming increasingly important to have a sound financial plan in place. With an annuity, you can guarantee income for the rest of your life and enjoy your golden years without worrying about finances or burdening your family.
The Living Benefits Rider can help offer peace of mind at a critical time. It entitles the policy owner to an early (accelerated) payout of policy death benefits if the insured is diagnosed to have a life expectancy of 12 months or less.
A plan that helps pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles. Plans are standardized. The core benefits from plan to plan are the same from every insurance company. The difference is in the company, the quality of service, and the price!
A term life insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. Terms typically range from 10 to 30 years and could increase in 5-year increments, providing level term life insurance. Among the most popular life insurance products available, term life insurance policies tend to be more affordable.
Disability insurance is a type of insurance that will provide monthly income in the event that the insured is unable to perform their work due to a injury or illness. Most disability policies are payable for 1 or 2 years.