Ensure the financial future of your family with the right life insurance solution for you. We have partnered with many of the largest carriers in the marketplace making certain you get the coverage that best fits your needs.
Term Life Insurance
Term life insurance is most often the right coverage solution for most families. It can be used to pay off mortgages, and other debts in the event of premature death. Term policies pay a specified death benefit and are available for 10, 15, 20, or 30 year periods. With term life insurance, a paramedical exam is usually required.
Rates for term life insurance have dropped dramatically over the past few years in part to more detailed underwriting processes by insurance companies. Have a term policy that is more than a few years old, and are you in the same health as before? Chances are you could save 20% to 50% with a new policy.
Permanent Life Insurance
Want more out of life insurance than just a death benefit? Permanent life insurance might be the better choice for you. Life insurance policies that also include a long-term savings account or stock market investment include whole life, universal life or variable life insurance products. This type of policy tends to have a higher cost than a term life policy because you are now funding a cash value account. With permanent life insurance, a paramedical exam is generally required.
Simplified Life Insurance
With no medical exam required, simplified issue life insurance can be purchased after answering only a few medical questions. However, if you report health problems, you will likely be declined. Also, if you are healthy, or even if you have some negative medical history, an underwritten policy is still going to be your least expensive option.
Guaranteed Issue Life Insurance
Guaranteed issue life insurance is available to anyone who applies (up to an age limit) and is by far the most expensive way to purchase life insurance. This should be considered only by those who are declined for everything else, but are still in need of life insurance. Guaranteed issue life insurance does NOT require a paramedical exam.
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Contact Us for more information on the different types of insurance available.
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