Life
Insurance
Term Life
Like renting a home, term life provides temporary coverage in case of premature death, allowing you to purchase a high level of coverage for much less than permanent life plans. Some plans come with conversion and living benefit options.
Whole Life
Like the name suggests, whole life insurance covers you for your whole lifetime, providing a way to prepay final expenses for less out-of-pocket costs than actual final expenses, as well as a tax-advantaged way to pass wealth to your loved ones.
Universal Life
Universal life insurance provides a long-lasting coverage typically for less than whole life. This type of life insurance comes in a couple variations, so we suggest consulting with us before purcchase so as to ensure you understand the product before enrolling.
Final Expense Life
If you are age 50 to 85, you can enroll with guaranteed acceptance in our guaranteed issue final expense plans. Guaranteed final expense life is designed for coverage up to $25,000, and is meant to give people coverage that would otherwise not be covered.
Children’s Term Riders
Adding a children's term rider lets parents buy affordable, convertible term life insurance for kids. If you have children with a health condition, contact us on how to navigate their health history.
FAQs
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Life insurance is a contract that provides a tax-free death benefit to your beneficiaries when you pass away. It helps protect your loved ones financially by covering expenses like income replacement, debt payoff, funeral costs, or long-term financial goals.
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The most common types are:
Term Life: Coverage for a set period (10, 15, 20, 25, 30, 35 & 40 years). Usually the most affordable. Available in standard and return of premium forms.
Whole Life: Permanent coverage with guaranteed cash value growth.
Universal Life: Flexible permanent coverage with adjustable premiums.
Final Expense: Smaller policies designed to cover funeral and end-of-life costs.
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A common rule of thumb is 10–15× your annual income, but needs vary based on debts, mortgage, dependents, income replacement, and future goals. A personalized needs analysis is best.
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Generally, life insurance payouts are income-tax free for the beneficiary. However, large estates may have estate tax implications.
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We do not charge any fees for our services.
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We offer a large variety of carriers, including Banner Life, Prudential, North American, GBU Life, SBLI, Ethos, Ameritas, Gerber Life, Mutual of Omaha, TruStage, Allstate, Aetna, Aflac, Woman’s Life, Pacific Life, Globe Life, Transamerica, Lincoln Financial Group, Great Western, Cincinnati Life, Oxford Life, United Home Life and others.
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