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Types Of Life Insurance

Term Life Insurance

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. We offer simplified issue term life insurance, with no medical exam and same-day approval. If your salary is is good enough to supporting your family, life insurance plays an important role in ensuring that the financial obligations are covered in the event of your death.

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You can buy this coverage online or by phone today. You may want to purchase a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy or work policy

Guaranteed Acceptance Whole Life Insurance

This simple, affordable life insurance is designed to cover expenses like medical bills, credit card debt, and funeral costs, and can help protect your loved ones from future financial burdens. With Guaranteed Acceptance Life Insurance, if you are aged 45-75, you cannot be turned down for health reasons.

Whole Life Insurance

A form of permanent life insurance, whole life insurance features guaranteed premiums, death benefits, and cash value. Whole life insurance policies also give you the potential to receive dividends, which can increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries.

You may want to purchase a whole life insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To be able to put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Whole life insurance offers confidence through the guarantees it provides

Guaranteed Level Premiums

The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health.

Guaranteed Death Benefits

Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.

Guaranteed Cash Value

TYour cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you’ll have access to your cash through loan and withdrawal options.

Universal life insurance

Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.

Guaranteed Protection

lets you choose, within limits, the length of the protection guarantee and the premium payment schedule up front both are then guaranteed not to change so long as the premiums are paid as planned.

Cash Value Accumulation

It grows through crediting interest rates. Cash value will grow tax deferred and can be withdrawn or borrowed from the policy. It also allows you to change, within limits, your premium payments and death benefits.

Variable universal life insurance

Variable universal life insurance combines life insurance protection and an investment opportunity in one product. With the ability to invest in professionally managed investment options, you can potentially accumulate cash value while providing your family with death benefit protection.

Comparing Insurance Rates

Our website enables you to compare various insurance brands on one search. You are also able to know the price of the policy and levels of insurance covers provided. You only have to get a quote and see what coverage’s are recommended for you. Contact us today for more information.

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