Request a Life Insurance Quote

• Final Expense / Burial

• The death benefit is guaranteed as long as premiums are paid as required.
• You can choose between monthly or annual premium payments.
• The cash value of the policy accumulates tax-deferred.
• Your beneficiary chooses whether or not to use the death benefit for burial expenses.

• Usually will be anywhere between $1,500-$35,000 worth of coverage

Whole Life

• An insurance policy that pays the people you name (your beneficiaries) a set amount of money (your death benefit) when you pass away. It's also got a cash value feature to the policy, which means a portion of your policy that earns interest. This can be used to pay unexpected medical expenses or even pay your premium if you're going through rough times.
• Your premiums will not change throughout your lifetime. The premium you have today will be the premium you have for the life of the policy.
• With having this type of policy, this means you also have a death benefit, which is chosen at the time of the design of your whole life policy. You can choose who your beneficiary will be and how much they will receive or multiple people will receive.
• This policy lasts your entire life (as long as your premiums are paid); this means it's a permanent policy, meaning there are no expiration dates. In fact there's some life insurance companies out there who offer years that you may pay before your policy hits what is called the maturity date, this is when your policy has been fully funded & not another dollar has to be funded to the policy. Also, your premiums will never increase OR decrease.

Term Insurance

• Term insurance is best for people who want the most affordable life insurance possible. People who only want life insurance coverage for a specific length of time, ex: the length of your mortgage, which is why this type of policy is often referred to as mortgage protection.
• Being this type of insurance goes for a specific period of time, this means there IS an expiration date, which is going to be the year you've specified for yourself at the time of the application being filled out/quoted.
• Term insurance does have a guaranteed death benefit
• This insurance does have a FIXED/permanent premium for the life of the policy. At the end of the policy (1 year after the set period) the premiums will increase exponentially.
• Term insurance is definitely the cheapest way to go when it comes to attaining a large amount of coverage, being the industry minimum is 100k, typically depending upon your age, you can grab one of these policies for approx. 20$ if age is approx. 30 or under, approx. 50$ & higher if age is 50 & up, all depends on the carrier you go with, so it?s best to get with a life insurance broker whom has at least 15 carriers (for shopping comparisons)
• This policy does NOT have a cash value feature.