Life Insurance

Types of Life Insurance

Term Life Insurance
Universal Life Insurance

Permanent Life Insurance
Variable Universal Life Insurance

Funeral Insurance

At a time of grief, being able to afford a funeral for a loved one can offer families a small window of peace of mind. Our whole life policy provides you with a chosen amount of coverage to help pay funeral and final expenses.

Benefits of this Plan: (Final Expense)

Helps pay for funeral, burial, and related expenses, relieving financial burden on family members
Provides fast claims processing, ensuring funds are available when needed
Offers stable, predictable premiums that do not increase with age or health changes
Requires minimal medical underwriting, often just a few health questions
Provides assurance that final expenses are covered, reducing stress for loved ones
Provides a cash benefit that can be used for any purpose, including medical bills, debts, or living expenses
Often includes whole life insurance features, such as a cash value component that grows over time
Does not expire as long as premiums are paid, ensuring lifelong coverage

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Guranteed Life Insurance

Guaranteed Life Insurance is an easy way to protect a loved one regardless of their health status. You must be between the age of 50 – 80 years old and the benefit amount ranges between $5,000 - $25,000.

Benefits of this Plan:

No health questions or medical exams required for approval.
Available to all applicants within the eligible age range, regardless of health status.
Premiums remain level throughout the policyholder's life.
Provides lifelong coverage as long as premiums are paid.
Simplified and fast application process.
Ensures financial support for final expenses, debts, and other costs.
Often accumulates a cash value that can be borrowed against or used for other financial needs.
Provides a guaranteed death benefit to beneficiaries, offering financial security.
Requires a waiting period; a set duration period typically 2-3 years, during which the full death benefit is not paid out, and only a partial benefit or return of premiums with interest is provided if the insured passes away.

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Permanent & Term Insurance

People buy life insurance to protect their beneficiaries and create financial stability after their death. Its function is to assist beneficiaries financially after the policy owner passes away.

Permanent Life Insurance Benefits

Lifetime Coverage: Provides coverage for the insured's entire life, as long as premiums are paid.
Cash Value Accumulation: Builds cash value over time, which can be borrowed against or withdrawn.
Fixed Premiums: Premiums often remain stable throughout the life of the policy.
Death Benefit: Guarantees a death benefit to beneficiaries, ensuring financial security.
Tax Advantages: Offers tax-deferred growth on the cash value and tax-free death benefits.
Flexible Options: Includes various policy types such as whole life, universal life, and variable life, catering to different financial needs.
Loan Options: Allows policyholders to take loans against the cash value with favorable terms.
Savings Component: Acts as a savings vehicle, with a portion of premiums contributing to cash value growth.
Estate Planning: Useful for estate planning and providing liquidity to cover estate taxes or other expenses.
Peace of Mind: Provides long-term financial planning and peace of mind for policyholders and their families.

Term Life Insurance Benefits

Affordability: Typically offers lower premiums compared to permanent life insurance, making it cost-effective.
Simplicity: Provides straightforward coverage for a specified term, such as 10, 20, or 30 years, without complex features.
Temporary Coverage: Ideal for covering specific financial obligations like mortgages, education expenses, or income replacement during the policy term.

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