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We’re contracted with over 30 of the top-rated insurance and annuity carriers in the industry, and we can do the shopping for you to save you time and money.
Product Overview
Final Expense
Final Expense coverage is a type of permanent coverage that goes with you for your whole life. You pay one flat rate for the coverage which never changes. The policies are typically fairly small, between $5k to $25k, and they’re designed to cover your burial costs or cremation costs when you die, so your loved ones aren’t left scrambling to come up with the money to pay for things when you’re gone.
The average amount raised from a Go-Fund-Me campaign designed to raise money for a funeral is only $800, and you don’t want to leave your family with a burden when you cross over, so we recommend that you have at least a small Final Expense policy.
Mortgage Protection
For most of us, our mortgage is the biggest single expense we’ll ever take on. But, what happens to our families if we die before that mortgage is paid off? Will they be able to afford to pay the house note on their own without our income?
Mortgage Protection insurance can pay off some or all of the mortgage in the event that we die before the mortgage is paid off. This gives our families time to grieve without the instant pressure of ‘what to do about the home,’ or gives them the ability to stay in the home forever, free-and-clear.
Universal Life Insurance
Many people have never even heard of IULs, or Indexed Universal Life policies. These are very flexible permanent life insurance policies that can be designed to meet a client’s needs depending on what those are.
IULs can be used to help fund a tax-free retirement, build generational wealth, fund a future business venture, provide a death benefit for your loved ones – or it can do a combination of these things. The policies start at $25k of coverage and go up from there.
Term Insurance
Term Life insurance is temporary insurance coverage. It covers you for a period of time only (usually between 10 to 30 years). During that time, you’re covered, and at the end of that period of time, you’re no longer covered, and the money you’ve paid into the policy is typically gone. However, there are some terms that will return some or all of your premiums.
Term Life policies are generally the most affordable type of coverage, and they’re an important part of a complete portfolio.
Whole Life Insurance
Whole Life insurance is a type of permanent coverage that builds cash value at a guaranteed interest rate. You never have to worry about outliving your coverage. It’s the most expensive type of insurance coverage available, so the policies tend to be small and generally under $50k. However they can go up much higher than that.
Whole Life insurance has the most lenient underwriting process, so for people with medical conditions that might make it more difficult to get them approved for other types of policies, Whole Life is often the best option.
Annuities
An Annuity is a type of financial investment that allows you to participate in the gains of the stock market while protecting you from the losses.
Annuities are ideal for people in their 50s and up who are getting closer to retirement age and who don’t want their retirement money invested in anything risky. We’ve all heard stories of people who lost most or all of their retirement savings in the years right before they retired! An Annuity can help you make some money without exposing you to the risks.
FAQ
I have life insurance through work, Do I really need a policy?
The policy you have through work can be cancelled, the coverage can be reduced, or the price can be raised at any time – it’s all up to your employer. Also, if you ever leave the job, your coverage typically goes away with it. You should definitely have a policy that you own and control even if it’s just a small policy to cover your final expenses. You don’t want to find yourself in a situation where you’re leaving the job, and then you find out that your life insurance policy doesn’t go with you or that you can’t afford what they’ll charge you to stay on the employer-sponsored plan. You can then find yourself with medical conditions that make it impossible to get the coverage you really want on your own. As we say, “It’s cheaper to buy life insurance ten years too early than one second too late.”
I'm not planning on dying anytime soon, so why can't I hold off on this until I'm older?
One of the most common misconceptions about life insurance is “I’m not old enough” to have life insurance. We insure everyone from 15-days old up to age 90. There’s no right age to have life insurance. If you get life insurance when you’re young and healthy, you can use it more as an investment opportunity.
I don't think I can afford life insurance, isn't it expensive?
We can find something to fit in everyone’s budget.
I don't think I'll be approved for life insurance / I've been denied for life insurance before, so How can you help me?
There’s a type of insurance coverage called “Guaranteed Issue Whole Life” insurance coverage. The policies are guaranteed to issue, and they don’t ask any medical questions. We have guaranteed issue policies available for anyone aged 0-85 years old, so no matter your medical condition, we can get you some coverage.
Schedule Your Appointment Today
It only takes a quick 10-15 minute phone call for us to let you know what you’re eligible for and to show you some options. Schedule an appointment today so you can find out what we can do for you.
INSURING FAMILIES
Protect your family and BE AT EASE.
- Nationwide, United States
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