Get An instant Insurance Quote
Simply fill in the information below and click “Get Quote”
Get An instant Insurance Quote
For more information on the different insurance plans click the links below. And feel free to reach out if you have any specific questions.
There are two basic forms of Life Insurance.
Term Life Insurance: Term Life insurance is an easy and affordable option for owning Life Insurance. Term offers a level coverage amount at a set cost for a specific time.
For Example:
Sally can get $500,000 of life insurance for 20 years at $42.23 a month. So she knows her family is protected and her rates won’t go up.
Permanent Life Insurance: Permanent Life Insurance is designed to be there whenever your time is up.
Permanent life insurance products, although more expensive offer level cost for as long as you own the policy.
Some permanent products also over what’s called a “cash surrender value”. Which is like a forced savings account. Simply by paying your premium you cash surrender value will grow over time, which you can access at any time TAX-FREE.
In its basic form, a life insurance policy provides death benefits and is designed to cover loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you the policyholder, should die unexpectedly.
While death benefits are often designated for funeral expenses and income replacement, life insurance is a very flexible type of coverage that can be used in numerous ways.
A life insurance policy is a contractual arrangement between you, the policyholder, and the life insurance company. The policyholder determines the amount of life insurance coverage required and pays the life insurance company a premium to keep the policy in force.
The way the premium will be paid will also be spelled out in the policy. Most people will pay their premiums on a monthly basis, however, there may be different options available depending on your circumstance. The premium must be paid according to the terms of the policy to keep the life insurance policy active.
Should the policyholder die while a life insurance policy is in force, then the life insurance company will pay out the death benefits specified in the policy. Additionally (applicable to permanent life insurance policies only), the insurance company will accumulate a cash value.
Death proceeds are paid as a lump sum to the named beneficiary (the person who will receive the life insurance benefits), as stipulated in the policy.
There are many different ways you can purchase a life insurance policy. Its best to use a trusted broker who can find the best policy for you. If you would like help with this please click here and we would be happy to assist you.
There are two basic forms of Life Insurance.
Term Life Insurance: Term Life insurance is an easy and affordable option for owning Life Insurance. Term offers a level coverage amount at a set cost for a specific time.
For Example:
Sally can get $500,000 of life insurance for 20 years at $42.23 a month. So she knows her family is protected and her rates won’t go up.
Permanent Life Insurance: Permanent Life Insurance is designed to be there whenever your time is up.
Permanent life insurance products, although more expensive offer level cost for as long as you own the policy.
Some permanent products also over what’s called a “cash surrender value”. Which is like a forced savings account. Simply by paying your premium you cash surrender value will grow over time, which you can access at any time TAX-FREE.
In its basic form, a life insurance policy provides death benefits and is designed to cover loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you the policyholder, should die unexpectedly.
While death benefits are often designated for funeral expenses and income replacement, life insurance is a very flexible type of coverage that can be used in numerous ways.
A life insurance policy is a contractual arrangement between you, the policyholder, and the life insurance company. The policyholder determines the amount of life insurance coverage required and pays the life insurance company a premium to keep the policy in force.
The way the premium will be paid will also be spelled out in the policy. Most people will pay their premiums on a monthly basis, however, there may be different options available depending on your circumstance. The premium must be paid according to the terms of the policy to keep the life insurance policy active.
Should the policyholder die while a life insurance policy is in force, then the life insurance company will pay out the death benefits specified in the policy. Additionally (applicable to permanent life insurance policies only), the insurance company will accumulate a cash value.
Death proceeds are paid as a lump sum to the named beneficiary (the person who will receive the life insurance benefits), as stipulated in the policy.
There are many different ways you can purchase a life insurance policy. Its best to use a trusted broker who can find the best policy for you. If you would like help with this please click here and we would be happy to assist you.
“As unbiased brokers, we shop the market to find the most suitable plan at the lowest cost”