GET LIFE INSURANCE FOR YOUR FAMILY TODAY!
What is life insurance?
Life insurance is a financial product that provides your loved ones with financial support in the event of your unexpected death. It’s a way to protect your family’s future and give them peace of mind during a difficult time. We understand that nobody likes to think about their own mortality. But it’s important to plan for the future and take steps to protect those you love. That’s why we offer a variety of life insurance policies that can be tailored to your unique needs and budget.
With life insurance, you can rest easy knowing that your family will be taken care of if the unexpected happens. Whether you’re looking for Term Life Insurance, Whole Life Insurance, or something in between, we’ve got you covered.
But life insurance isn’t just about protecting your family financially. It’s also about leaving a legacy and making a lasting impact. With the right life insurance policy, you can ensure that your loved ones are able to continue living the life you’ve always wanted for them, even if you’re no longer there to provide for them yourself.
Our licensed agents can help you figure out what type and how much life insurance is right for you. We work with some of the nation’s most trusted insurance companies and can provide coverage and cost comparisons in just minutes to help you find the right coverage at the right price for you.
"A life insurance policy is a vital part of a solid financial plan. It can provide peace of mind in knowing that your loved ones will be taken care of financially if something happens to you."
Types of Life Insurance
The two most common types of life insurance are Term Life Insurance and Permanent Life Insurance.
Term Life Insurance
Term Life is the most affordable type of life insurance. It’s typically a smart, straightforward choice for someone looking for a lower premium. Term life insurance provides added flexibility in that it allows you to choose how long you want to be covered.
Whole Life Insurance
Whole Life is a common type of permanent life insurance that provides lifetime coverage as long as the premiums are paid. Whole life insurance also includes a savings component known as a cash value, which policyholders are typically able to borrow funds from to help support additional financial needs.
Universal Life Insurance
Universal Life is a form of permanent life insurance that has a primary benefit of using the policy’s cash value to pay for premiums. The value accrues and earns interest as you pay monthly premiums, lending the opportunity to also act as a savings account.
Why Shop With Us
Personalized Journey
Our solutions are custom based on your needs. We will work with you to develop a plan that meets your specific goals and objectives. Our experts will work closely with you to create a solution that works best for you.
Needs Based Options
Life insurance is a valuable tool that can provide financial stability in times of need. There are many life insurance products available to you, so it's important to choose the one that's best for you. If you're not sure where to start, our team can help you find the right policy for your needs.
More Secure Future
Taking care of your life insurance needs allows you more time and freedom to spend with your loved ones. Spending the time to prepare with life insurance means that you thought about your financial situation and take action needs to prepare your future and the future of our loved ones.
Steps To Purchase Life Insurance
1. Get a Life Insurance Quote
Before you get started shopping for life insurance, consider how much coverage you will need to replace your income now and in the future, pay for education, family event costs, retirement savings, etc. Additionally, think about who depends on your income today—from spouses to children, business partners to loan co-signers—it’s important to consider everyone who can benefit from your smart decision to buy life insurance.
Getting the most accurate life insurance quote is all about providing the most up-to-date information. Individual and household incomes and debts, as well as your basic health history, will get the application started and the process often takes 15 minutes or less.
2. Choose Your Life Insurance Coverage
After you complete a short questionnaire, we can compare and review prices from our trusted carriers we represent. If you are purchasing term life insurance, it’s important to carefully consider the timeframe needed for coverage. Remember: life insurance is most affordable the younger and healthier you are. It’s a wise decision to lock in what you think you’ll need to cover not only current, but future expenses.
3. Get Your Life Insurance Policy
After your life insurance policy is submitted to the carrier, you’ll likely be required to complete a brief medical exam. This appointment allows the underwriter to confirm the details on your health questionnaire and finalize your price for the selected coverage. The more accurate your information is up front, the higher the likelihood of no changes.
The medical exam, though, is surprisingly easy. We’ll send a licensed medical professional right to your home to conduct a simple checkup comparable to what you’d receive in a doctor’s office (weight, height, blood draw, heart monitoring, etc.). You’ll receive a free copy of your lab results following your exam, which are completely confidential.
While each life insurance policy looks a little different, typically your coverage goes into effect at the time your application is received and/or after your first premium payment is made.
