Life Insurance Video
Final Expense Life Insurance
A simple application with modest face amounts. Creates almost immediate cash at a time the family most needs cash to pay end of life bills. Gives individuals with past health problems an opportunity to obtain permanent coverage.
Term and Permanent Life Insurance
We offer the best carriers to provide low premiums and high face amounts. Use our online term quote engine and applications.
Impaired Risk
Put our underwriters to work to get the best offer and best rating class and premium for your health impaired or financially challenged client.
For more accurate quoting visit our underwriting questionnaire page and complete on your client
Fixed Index Universal Life
Ties policy interest credited to the performance of an index or a combination of indexes. Policy values are usually protected from index downturns and usually have an interest cap.
Long Term Care Linked Life Insurance
Provides clients with LTC benefits, death benefit for heirs, competitive return and, access to cash values.
Wealth Transfer
Potential for significant increases in the value of assets earmarked for beneficiaries by transferring funds into one of these specially designed life insurance plans.
A key thing to remember is that life insurance is a “peace of mind” product.
How do you know which product to choose? Here’s a few questions to ask yourself.
The amount you pay for your premium will vary depending on a number of factors, including:
- Your age: the younger you are, the lower your premiums will be, since it’s less likely that the company will have to pay out during the term of the policy.
- Gender: statistically, women live longer than men, so the premium for a woman may be slightly lower than that for a man of the same age and background.
- Your smoking habits: since smokers have a higher mortality rate, your costs will rise if you smoke.
- Your general health: your insurer likes to work with people who are healthy and who have no underlying conditions, since they are less likely to die and require a payout. In fact, if you do have a significant health issue, some insurers may decline to cover you.
- Your family’s health: You’ll need to give your potential insurer information about your family’s health when you apply. If there is a strong family history for a certain disease, such as diabetes or cancer, especially if it’s hereditary, your rates will be higher.