Life Insurance
Life insurance is one of the most important types of insurance you can buy. It’s also one of the more complicated. There are 4 major types of plans offered by the companies today:
| Type | Description |
|---|---|
| Whole life: | Guaranteed lifetime coverage for a fixed premium |
| Term life: | Guaranteed coverage for a set period. |
| Universal life: | Life coverage with an interest bearing fund or variable fund supporting the death benefit. This type of policy is a little trickier to understand but it can be much cheaper than whole life. |
| Final expense: | Smaller amounts of whole life but very few health questions. These can also be guaranteed issue with no health questions but limited death benefit for the first few years. |
We have been writing all types of life insurance for 40+ years and are affiliated with the largest nationwide provider of products and service to the industry. That means we can quote you with over 200 different life carriers if we need to. It also allows us to shop certain risks with carriers that might be more receptive to those risks.
Please call or complete the request form to receive a no cost, no obligation price quote for the type of coverage you are interested.