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Schedule a consultation with our experienced advisors to explore the best life insurance options tailored to your needs. Securing your future starts with just one appointment.
Term Life Insurance
Term life insurance is a type of life insurance that provides coverage for a specific period (the "term"). If the insured person dies within that term, the policy pays a death benefit to the beneficiaries. If the term ends and the policyholder is still alive, the coverage expires, and there's no payout. Term life insurance is generally more affordable than permanent life insurance options because it doesn't accumulate cash value and only covers a specific time frame.
Whole Life Insurance/ Final Expense
A whole life insurance policy is a type of permanent life insurance that provides lifelong coverage and builds cash value over time. It offers a guaranteed death benefit to beneficiaries upon the insured's death, as well as a cash value component that grows at a fixed rate. This cash value can be accessed through loans or withdrawals, and the premiums are typically fixed for the life of the policy
Final expense life insurance, also known as burial or funeral insurance, is a type of permanent life insurance designed to cover end-of-life expenses. These expenses can include funeral and burial costs, medical bills, and other related debts. It's often a more affordable option for those who may not qualify for traditional life insurance due to health issues or other factors.
Indexed Universal Life
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers a death benefit and a cash value component which has the potential to grow based on the performance of a chosen market index, such as the S&P 500
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