Services
01
Final Expense Insurance
Final Expense Insurance provides financial relief in a time of loss. This can help prepare your family financially for your loss, while building cash value you can use during your lifetime.
02
Term Life Insurance
Term life insurance is a straightforward and affordable type of life insurance that provides coverage for a specified period, or “term,” typically ranging from 10 to 30 years. If the insured person dies within the term, the policy pays a death benefit to the beneficiaries. It is designed to offer financial protection during the years when you need it most, such as when you have young children, a mortgage, or other financial responsibilities. Unlike whole life insurance, term life does not build cash value.
03
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that provides coverage for the insured’s entire lifetime, as long as premiums are paid. In addition to a death benefit, whole life insurance includes a savings component, known as cash value, which grows over time on a tax-deferred basis. Policyholders can borrow against this cash value or even surrender the policy for the cash value. Whole life insurance typically has higher premiums than term life insurance but offers lifelong protection and the added benefit of cash value accumulation.
04
Burial and Cremation Insurance
Burial and cremation insurance, also known as final expense insurance, is a type of life insurance designed to cover end-of-life expenses such as funeral costs, burial, or cremation. These policies usually have lower death benefits compared to other life insurance types, typically ranging from $5,000 to $25,000. They are often easier to qualify for, with simplified underwriting processes and smaller premiums. This insurance helps alleviate the financial burden on families during a difficult time by ensuring that final expenses are covered.