The right amount of life insurance varies from person to person and depends on your unique circumstances. Factors such as your age, income, financial goals, and family situation all play a role. Our experienced advisors will work closely with you to assess your needs and recommend a coverage amount that ensures your loved ones are financially secure in the event of the unexpected. It's important to regularly review and adjust your coverage as your life circumstances change.

Our claims process is designed to be as straightforward and efficient as possible during what can be a challenging time. When a claim needs to be filed, simply contact our claims support team. They will guide you through the necessary steps, including providing the required documentation. We aim to process claims promptly, ensuring that you receive the financial assistance you need during difficult times. Rest assured, we're here to support you every step of the way.

Yes, you can typically make changes to your policy after it's issued, although the options available may vary depending on the type of policy you have. Common changes include updating beneficiaries, adjusting coverage amounts, or changing payment methods. It's important to keep your policy up to date to align with your changing circumstances. Our team is here to assist you with any policy changes or updates you may require. Feel free to reach out, and we'll ensure your policy continues to meet your needs.

Whole life insurance is: 

- Permanent life insurance 

- A person is covered for the duration of their life as long as premiums are paid on time. 

- Most permanent life builds cash value

- Premiums are fixed and will never go up, regardless of market conditions.

- Purest and simplest form of insurance.

- Large amount of life coverage at a relatively low premium rate.

- Offers financial security to your family at very affordable rates.

Final expense insurance ( also known as burial insurance or funeral insurance)  is : 

Life insurance policy with a lower death benefit. intended to cover final expenses and burial costs.

Whole life insurance 

Fixed premium cost

The best part about final expense policies there is a policy to fit every person's budget. This policy was designed for people who do not want to burden their families with expenses after death.

Mortgage Protection is the following:

Financial security for your family when a tragedy or untimely death occurs.

It's a type of life insurance.

Pays off your mortgage if you were to pass away.

Some policies also cover mortgage payments.

It provides you peace of mind that your loved ones are carried for, and your family assets are protected.

Mortgage Protection is also called MPI.

Most insurance companies require that you have the following information:

Social Security Number ( help verify your identity)

Medical History

Medications/Prescriptions
Age

Hobbies

Job

History With Drugs And Alcohol

Driving Record

If You Smoke

Some companies require some or all the above information. The answers provided on your application help with rating (policy price) and verifying your identity. Since this is a legal document insurance companies want to take all precautions to protect and insure you properly.

Some of the companies we broker insurance through are:

Assurity

Liberty Bankers/Capitol Life

North American

Royal Neighbors of America

SBLI - Savings Bank Life Of Massachusetts 

United Home Life Insurance Company / United Farm Family Life Insurance

American General Life Ins Co (AIG)

Mutual of Omaha Insurance Company

Fidelity & Guaranty Life Insurance Company

Great Western

One of these companies can handle most of your insurance needs. We broker with highly rated insurance companies with excellent reputations. 

I primarily do business in 20 states. If I am not licensed in your state, I will gladly acquire the license to do business with you. It usually takes 1 day to a week to be fully licensed in your area.

Certain policies can be sold over the phone. but you will need to contact your life insurance agent for more information.

Term life insurance is the cheapest insurance policy.

Because it has no cash value.

Only covers you for a specific number of years.

Make sure when you are looking for insurance speak with a licensed life insurance agent to make sure the policy you are getting fits your needs.  There is not a one size fits all solution when purchasing life insurance.