Life insurance that covers funeral expenses which guarantees:
Locked-In Premium
Non-Cancellable
Death Benefit
Possible Cash Value
* Individual /Family and Group Coverage Is Available *
Guarantee Issue Plans:
Life insurance that covers anyone regardless of pre-existing health conditions. No medical questions asked. Typically, a low benefit coverage plan. Acceptable Conditions:
Diabetes
Heart Attack
Stroke
Cancer
And Others
Juvenile Plans:
Life insurance for children that typically starts off as a term policy, but changes over to whole life coverage after a certain period of time. This coverage offers an affordable way to cover children while they are young, but guarantees coverage for life. Features include:
Fixed, Level Premiums
Guaranteed Death Benefit (that will not decrease)
Permanent Protection
Term Plans:
Life insurance that was developed to provide temporary protection for limited budgets. These plans offer a stated death benefit for certain amount (or term) of time. These are the simplest forms of life insurance. Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as life insurance coverage to pay off loans, or providing extra life insurance protection for the child-raising years. Features include:
Initial Affordability
Adjustable Premiums
Renewability
Conversion to Whole Life
Whole Life Plans:
Permanent life insurance coverage for as long as you live and continue to make timely premium payments. With level premiums and the accumulation of cash values, whole life insurance is a good choice for long- range goals. The guaranteed cash values can provide money later on to help with temporary needs or emergencies. Features include:
Premiums are generally level and payable for life
Dividends
Guaranteed Cash Values
Please feel free to contact us with any questions or concerns that you may have. We would be glad to help in any way that we can!