Life Insurance Protection for Life
Too often, we don’t think about life insurance coverage until we are faced with a crisis. Don’t wait until it’s too late. Preparing your life insurance policy now means that your loved ones are protected, whatever may come.
Term Life Insurance
Term insurance offers a level premium for a set number of years. It is typically used to cover temporary debts such as a mortgage, student loans, income replacement, and more. Think of term insurance like “renting” insurance for a set period of time. Often, term insurance can be converted into permanent coverage at the policy holder’s request, which is an additional benefit for this type of life insurance.
Whole Life Insurance
Whole life insurance, also known as “permanent life insurance,” offers a level premium that remains the same indefinitely while also building cash value within the policy. You can think of whole life insurance like buying a home, building equity as you make your payments. This type of insurance is ideal for final expenses, children’s policies, or anyone looking to have guaranteed coverage for the rest of their life.
Health Insurance
Are you self-employed? Or does your employer not offer a health insurance plan? Are you feeling overwhelmed by all of the information out there about the health insurance industry? We’re here to help. If you’re looking for an affordable health insurance plan, we’ll talk you through your options so that you know exactly what each plan offers and what benefits are included.
Annuities
You protect your car and your home — but what about your retirement income? Are you prepared for retirement? Annuities are used to accumulate funds for retirement. Thy offer you the security of tax-deferred growth, guaranteed interest rates, and the opportunity to generate a stream of income for life.
Critical Illness Insurance
You never know when a critical illness may strike. Unexpected heart attacks, strokes, organ failures, and more could impact anybody at any moment. Even if you’re in great health, everything could change in an instant — and unexpected illnesses are often followed by major unexpected expenses. While health insurance may cover some of those costs, medical debts can add up quickly. Don’t be left unprepared in the face of a medical emergency. Rest assured that you’re prepared for the worst with critical illness insurance.
Group Benefits
If you are a business owner looking to offer your employees a benefits package, we can help you find an affordable group health insurance plan, life insurance plan, and more. We will shop these plans through multiple carriers to find your business the best available package to fit your budget as well as your employees’ needs.