Life Insurance Does Not Have To Cost Much

None of us like to think about the worst happening. That's why it's essential to have life insurance. An excellent policy could easily help cover mortgage and childcare costs as well as help secure a good education for your children and safeguard your loved ones from inheriting your debts.

Unfortunately, a shocking number of Americans do not have life insurance, which could leave their family financially devastated if the worst should happen. The reason according to recent studies, is most people think they have to pay three times more for life insurance than they need to. In reality, you can find very inexpensive policy for ages 0-85 if you know where to look. Let us do the work for you and match you with the best state regulated companies to suit your needs.

Services We Provide:

Complementary Policy Review
Free Information on the New State Regulated Benefits
Free Health Care Discount Card for Dental, Vision, Hearing, Medical Lab Testing & Prescription
Illustrations on Life Insurance Retirement plan based on S&P 500 Index
Mortgage Protection

AGENT VS BROKER

AGENT

Contracted with agency
Limited company options
Restrictions on health qualifications
Limited Support & assistance with other health needs
Life long premiums

BROKER

Contractual obligation to Clients
Appointed directly with carriers to insure accuracy and lowest possible cost
Variety of products to meet the needs of clients
Life long products designed to financially better clients
Paid up policy option

TERM LIFE VS WHOLE LIFE

Term Life

Level Term - Premiums and benefit remain the same for a specific period of time
Level Benefit Annual Renewal Term - Premiums increase every year until policy becomes too expensive
Level Benefit with 5 year rate increase - Premiums increase every 5 years becoming too expensive