You worked hard to build your Legacy,
Now it's time to protect it!
While working with multiple companies; We have come up with portfolio of products to set you up with a Life Insurance Product to best fit your goals and needs. Don't leave your family caught off guard with funeral expenses, leftover medical bills, or any other unexpected expenses. Whether it would be final expense, term life, universal, or whole life we have a product that fits your needs. In all of our years of business we have never had a surviving spouse or family member say "I wish they would of bought less Life Insurance". Don't leave your family off guard, call today!
Whole Life
covers you for as long as you live if your premiums are paid. You generally pay the same amount in premiums for as long as you live. When you first take out the policy, premiums can be several times higher than you would pay initially for the same amount of term insurance. But they are smaller than the premiums you would eventually pay if you were to keep renewing a term policy until your later years.
Term Life
covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term insurance generally offers the largest insurance protection for your premium dollar. It generally does not build up cash value.
Universal Life
A kind of flexible policy that lets you vary your premium payments. You can also adjust the face amount of your coverage. Increases may require proof that you qualify for the new death benefit. The premiums you pay (less expense charges) go into a policy account that earns interest. Charges are deducted from the account. If your yearly premium payment plus the interest your account earns is less than the charges, your account value will become lower. If it keeps dropping, eventually your coverage will end. To prevent that, you may need to start making premium payments, or increase your premium payments, or lower your death benefits. Even if there is enough in your account to pay the premiums, continuing to pay premiums yourself means that you build up more cash value.
