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Our Final Expense and Indexed Universal Life (IUL) insurance policies are designed to provide you with affordable, flexible coverage that grows with you and your family.
Term Life Insurance
Term life insurance is a type of life insurance that provides coverage for a specified term or duration, such as 10 or 20 years. If you pass away during the term, a death benefit is paid out to your beneficiaries, currently tax free.
Unlike permanent life insurance, term life insurance does not accumulate cash value, making it a straightforward and cost-effective option.
Our Term Life insurance can be used to help pay for burial and final expenses, last medical bills, and remaining credit card and other debts. It can also be used for income replacement to help your loved ones maintain their standard of living.
IUL Insurance
Life can be unpredictable — we'd do anything to help protect our family after we're gone.
Index universal life insurance provides the death benefit protection you need with cash value growth potential. It also gives you the option to access your death benefit early in the event of a qualifying chronic, critical, or terminal illness.
While many life insurance policies can provide you with death benefit protection, and some even provide a cash value build-up, indexed universal life insurance (IUL) is unique in that it gives you market-linked growth, as well as protection of principal.
Final Expense Insurance
Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses.
Also sometimes called “funeral insurance” or “burial insurance,” final expense life insurance typically provides a guaranteed payout to help loved ones pay for a funeral service, burial or cremation, doctor or hospital bills, or other immediate expenses after a death. Like other types of permanent insurance, final expense insurance will never expire as long as you keep up with your premiums.
Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be affordable. Coverage amounts can range from a few
thousand dollars up to $40,000, in some cases.
Just 3 More Steps to Secure Your Final Expense
With our expertise and personalized approach, we will help you make informed decisions and secure the financial stability you deserve.
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