Life Insurance

Understanding Life Insurance

I offer competitive life insurance rates to help protect you and your loved ones. Protecting your family and preparing for the future unknowns can be stressful. That is why I am here, to provide the support and information you need to make these financial decisions that will have a lasting impact on your loved ones.

I will be with you every step of the way on this journey to providing a financial foundation for you and your loved ones. I am dedicated to helping you find the best insurance provider that fits your needs. It’s important for me to build strong relationships with my clients so that we can make the best decision as a team.

Helping You Save Money and Receive the Best Coverage!

Term life insurance

Term life insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. The term-the length of time which your premiums remain the same-is typically chosen based on the number of years your family would be vulnerable if you were no longer there to provide for them.

Term life insurance may be the right fit for you if you are looking for:

  • Guaranteed coverage for a specific amount of time or to cover specific financial obligations
  • Affordability and level payments that are guaranteed not to change
  • A complement to an employer’s life insurance plan

Universal life insurance

Universal life insurance is a type of flexible permanent life insurance offering low cost protection of life insurance as well as a savings element, which is invested to provide a cash value build up.

Universal life insurance is the most flexible of all life insurance plans: It lets you choose the amount of protection you want, increasing or decreasing your coverage as your needs change. It lets you control the amount and frequency of your payments. If you have extra cash, you can pay more and the extra money grows tax-deferred. If you’re short on cash, you can pay less and let the policy’s accumulated cash value pay the remainder of the monthly charges. If you do decide to invest in a universal life insurance policy, be sure you plan to keep the policy for at least 15 years. It will usually take that long before you are eligible for any return on the policy.

Guaranteed whole life insurance

Guaranteed issue life insurance is a policy that provides cash benefits to a beneficiary upon the death of the person who is insured. The insurance company will offer this policy to any applicant regardless of their past or present health concerns.

Guaranteed issue life insurance is typically for people over the age of 50, up to senior citizens who have roughly 10 years or less to live—or individuals with current or previous medical problems. It is oftentimes a last resort for individuals who can’t qualify for other types of life insurance policies because of their health issues and/or don’t have the option to purchase life insurance through their employer. If you have a health condition that prevents you from purchasing another type of life insurance policy or you need to get coverage quickly, a guaranteed issue policy might be right for you.