Life insurance is not about death. It is about Life.
Insurance is for the Living! Share Life!
Whole life insurance provides a lifetime of protection.
It can build cash values on a tax-deferred basis, which can be used to help fund expenses such as college funding, cover your burial or final expenses.
Learn more about Whole Life Insurance. An insurance for the whole family - young to old.
Learn about Whole Life plans, paying dividends.
Have it All
Either Your situation has changed or You want a change.
Are You Turning 65?
Do You have Diabetes or
Heart Disease or COPD?
Moving? Is Your Plan cancelling?
Medicaid? Nursing Home?
And $0 premium plans in your area?
2022 Medicare & You Get it HERE
When you’re starting a family you
face perhaps the most daunting financial pressures you’ll encounter at any stage of life.
Expenses like a new home and young children weigh heavily, and you’re likely still early in your career, far from your peak earning potential.
Meanwhile, there is health care coverage for the family, and saving for the future: college for the kids, the mortgage, a nest egg for you and your spouse.
How can you address all of these obligations at once?
Protect to Preserve
Get Mortgage Protection
Funeral & Final Expenses
Death has no age. Young. Old. It is more costly to die than to be born. Insurance ensures the risk of cost.
Final expense insurance typically comes in two varieties.
Immediate full benefit policies, which pay the full face value upon your death, are generally available to people with no serious health concerns.
Graded benefit policies provide limited benefits during the first few years and are available to people with serious health concerns.
These policies can provide the peace of mind of knowing that your survivors won’t struggle to pay for your funeral or be saddled with outstanding medical bills and other debts.
With the average cost of a funeral exceeding $10,000 and approaching $15,000, this typically represents the third largest expense in a person's lifetime. Ranking just behind home and automobile ownership.
Social Security only pays a lump final expenses sum of $255 for those who qualify.
If you have ever experienced the passing of a loved one you know it can be an overwhelming chore to plan for a funeral while under pressure, as you will be needing to make countless decisions while in grief.
By planning ahead you can eliminate this pain and have piece of mind knowing your family will not be burdened with the high cost associated with a funeral, and the left behind costs for medical care, unpaid bills, etc.
Final expense policies are also known for their quick pay-outs. No need to wait 3-6 month. Most pay the beneficiary within 24 hours of death.
For a few dollars a day, pay for your final expenses.
Also, plan your Memorial Service. Have it your way! You do a great favor to your loved ones not leaving them guessing how you would like it.