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What is life insurance

Life insurance is designed to offer financial security to your loved ones in the event you pass away.  It functions as a contract between you and the insurance company, requiring regular premium payments in exchange for a lump sum payout to your beneficiaries upon your passing. This payment, referred to as the death benefit, can assist in covering various expenses including funeral costs, outstanding debts, and ongoing living expenses for your family.

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Find the plan that works best for you

It is important to note that not all life insurance policies are created equal, and it is crucial to choose the right policy that suits your needs and budget. 

Term Life Insurance

An affordable plan that works with your family's monthly budget.

Whole Life Insurance

A fixed rate for the entire premium duration, no matter how long.

Universal Life Insurance

A personal account manager you can always contact or consult.

Final Expense Life Insurance

An affordable plan that covers the basics such as funeral expenses

Mortgage Protection Life Insurance

Your choice of post-death payment installments.

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Who Should Get Life Insurance ?

Those that have dependents that depend on your income

Have an existing mortgage

Have other existing Debts

Have an existing family business to preserve

Other Types Of Coverage We Offer

FAQs

Answers to Common Questions about Insurance Coverage.

  • Why do I need life insurance?

    There’s no replacement for you and the contribution you make to your family. You want to make sure that people in your life, especially your dependents, can remain financially secure after you die. Bottom line: Life insurance financially protects your family and loved ones at a time when it is needed the most.

  • Do the premiums ever change on a Final Expense Insurance Policy?

    No. The premiums are guaranteed level. They will stay the same until the policy is paid up. Additionally, the death benefit will never decrease over the life of the policy.



  • Why purchase a Final Expense policy?

    The cost of final expenses (burial, cremation, funeral service, casket) increases yearly. The proceeds from a Final Expense policy will help your family pay for these or other items. If you already have burial insurance, it might not cover the rising costs of your funeral. Final Expense benefits can also be used to pay for other expenses, such as medical bills, you may leave behind.

  • What should I look for in a term life policy?

    Most high quality term life policies sold today are guaranteed renewable, which gives you the right to continue your coverage beyond the initial rate guarantee period without a medical exam. This feature can become extremely important to your family should you become sick and uninsurable toward the end of your initial premium guarantee period. Also, look for a policy with a good conversion privilege and good, solid permanent policies to convert to.