ABOUT
Life insurance offers your family peace of mind after you pass away. I work with multiple insurance companies to find the right product for you, your family, and your budget. Most people are seeking one of the following products:
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Whole Life Policies
Term Life Policies
Final Expense Coverage
Mortgage and Loan Protection
Equity Protection
Income Replacement
So much more!
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Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life," is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.
WHOLE LIFE POLICIES
TERM LIFE POLICIES
Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Term policies usually last between 10 and 30 years and are perfect for covering mortgages and loans. In many cases, you will receive a partial or full refund of all premiums paid if you outlive the term. This money can be used for many things like buying a new policy or transferring it into another account. of course there is always the option of taking the cash!
FINAL EXPENSE COVERAGE
Term or whole life policies that ensure your family will have the funds to both pay off any outstanding debts and also to give the insured a proper burial or cremation along with any services desired. These products alleviate families from having to pull funds together last minute upon the death of a loved one.
MORTGAGE, EQUITY, & LOAN PROTECTION
Typically, these policies are term life insurance policies designed to cover the life of a mortgage or loan (like co-signed student loans). Most people looking for this coverage want to ensure that upon their death, their families can can pay off the mortgage of a house or any outstanding debts in order to continue in the lifestyle they have grown accustomed to.
INCOME REPLACEMENT
Term or whole life policies that also have cash back options or living benefits. If you were to become disabled or ill, you would be able to receive a supplemental income from your life insurance policy to replace your income.