Life Insurance & Final Expense

Life is precious and we understand the delicate nature of planning ahead for one's final expenses. Losing a loved one can be overwhelming and for many families it can be financially devastating. We will walk you through the steps of determining your need and align it with your budget. Each season of life is different so we offer a variety of plans to accommodate our client's needs.

• Term Life - typically lower premiums for higher benefit amounts; a good choice if you need to cover existing debts like a mortgage, student loans or perhaps you have children and want to protect them financially in the event of your passing. You can choose your coverage period to be as long as 30 years (some exceptions apply).
• Whole Life - is permanent insurance that locks in your rate for life. These plans accrue cash value which can be borrowed.
• Final Expense - sometimes known as burial policies, this plan can be a good fit for mature adults who do not have life insurance or are under-insured but looking to cover their final expenses.
• Universal Life - is a version of whole life insurance but typically has investment mechanisms built into the policy; there are several versions like Variable, Index and Guaranteed.

Life insurance has changed a lot over the years. There are many new features that can protect you in multiple ways for example riders for long-term care, return of premium and accelerated death benefits.