All-Around Better Coverage For Less

Life Insurance

Want to learn which type is best best for you once and for all? ...We can help.

Protection starting at $1 / day.

Why Life Insurance?

Two words: Financial Security.

And there are tax-benefits! Do you have family, business partners, or people in your life who depend on you and your income? How would they survive without you? If you do not like your answer then you need life insurance.

Major life events such as having children, getting married, starting a business and buying a home are some examples of why you would look at financial security through a life policy.

Want To Learn More?

Why do some people skip purchasing life insurance while others wouldn't dream of living another day without it? What does it mean to qualify? Annnd what affects your chances?

Which Life Is For You?

Return of Premium Life

ROP Life Insurance allows you to get your monthly premiums back if you’re still living at the end of your policy's period.

If you outlive your policy's term, 100% of the money you paid in premiums during the term is returned back to you, tax-free.

Reasons to get Return of Premium Life Insurance?

You Get your money back. If you outlive the policy term, the money you paid in premiums is returned back to you, meaning there is no risk of losing money.
Low Risk High Return. At a certain age, for most people Whole Life policies start to become to costly to manage the monthly premiums. Shifting to a ROP policy allows you to save and protect towards later.
Forced savings. ROP insurance policies works like a forced savings account, guaranteeing that you’ll receive a large payment and you’re closer to retirement age or in the future towards a another policy.

Whole Life

Whole Life Insurance is a permanent life insurance with an important "cash value" feature that covers you for, you guessed it, the rest of your life.

Whole Life or "permanent insurance" is meant to provide you a lifetime of coverage with premiums that will not go up and the policy will not expire after a specified "term" ends.

Reasons to get Whole Life Insurance?

Premiums stays the same for life. Premiums you pay for financial security will never increase. The younger and healthier you are when you take out your policy, the lower your rates will generally be for life in preparation for "when" you die.
You build cash value at a guaranteed rate. A whole life policy has a tax-deferred cash value that grows at a guaranteed percentage rate every year.
Your death benefit is guaranteed. Your policy is guaranteed to pay out at least the face value. There is no concern of your death benefit varying based on how well the market investments portion did or the cash value fare of the policy.

Term Life

Term Life Insurance is where you choose a financial protection amount and specify a period of generally 10, 20, or 30 years. There is typically no medical exam and you answer a few easy health questions to qualify.

Term Life or "temporary insurance" is meant to provide you with financial protection "if" you die unexpectedly. Your coverage and premiums will stay the same and the policy will expire after the specified period ends.

Reasons to get Term Insurance?

Cost effective and affordable. Term Life is the least expensive of the main types of life insurance.
It is straight forward. There are no complex restrictions or negative tax scenarios.
Coverage when you need it. During the period of your life when you have the most financial obligations, debts, or both to meet, your policy will provide you with financial protection "if" you pass die.

Modified Life

Modified Whole Life Insurance plans are guaranteed no matter what health conditions you have - everyone who applies is accepted.

If you have more serious health issues but financial protetion is still necvesary, modified whole life can a good choice for you.

Reasons to get Modified Life coverage?

Guaranteed coverage. No-medical exam insurance policies where anyone who won’t pass a traditional life insurance medical exam or underwriting can get protection.
Lower premiums than other guaranteed policies. Anyone who can’t afford traditional whole life insurance premiums right now, but their income will increase in the next 2 - 10 years.

Final Expense

Final Expense Insurance also known as Burial or Funeral Insurance is a Whole Life policy that pays medical bills and funeral expenses when you die. Final Expense is a popular choice among seniors during their retirement.

Reasons to get Final Expense coverage?

Fixed premiums. Premiums are predictable and stay the same month to month.
Simplified issue. There are sually no medical exams required; just the health questions on the application.
Fast and easy application process. Policy can often be issued in a matter of days with affordable rates.