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We provide education for families on the best choices to make based on your needs & budget towards achieving financial freedom.
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, 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
Looking for a smart option for your child's future? Learn about the advantages of an Index Universal Life. IUL for kids is a powerful form of cash-value life insurance that builds tax-advantaged savings and secures their financial future
What is final expense life insurance? Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses. Also sometimes called “funeral insurance” or “burial insurance,” final expense life insurance typically provides a guaranteed payout to help loved ones pay for a funeral service, burial or cremation, doctor or hospital bills, or other immediate expenses after a death. Like other types of permanent insurance, final expense insurance will never expire as long as you keep up with your premiums. Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be affordable. Coverage amounts can range from a few thousand dollars up to $40,000, in some cases. Final expense insurance is easy to qualify for, with no medical exam required. As long as you fall between the age limits of 50 to 85 years old, you can often get approved for a policy within days
Whole life insurance is a permanent life plan that provides coverage throughout your entire life. The premiums tend to cost more than a term plan would, but getting this insurance plan may be beneficial in the long run.
The whole life insurance cash value usually ends up being high, but payments grow in a tax-deferred account at an established rate. The premiums won’t change over time and the death benefit is certain, regardless of the time frame. In this sense, the policy functions as an investment and the death benefit payout usually reflect this. Typically, the death benefit in a whole life insurance plan yields a large outcome.
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
How would you feel if in all 3 cases, you had something covering you? This is what life insurance is for. Here is how you can get protected:
Request a quote or give us a call so we can walk you through all of your life insurance options.
While some insurance plans require a formal medical exam, final expense insurance usually only requires a brief health questionnaire.
This can be calculated by looking at your monthly household expenses, immediate needs and potential funeral expenses.
Once approved, you can rest easier knowing your beneficiary will receive the death benefit to help with your final expenses when the time comes.
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