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What Is Life Insurance and how does it work?

Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.

Does life insurance pay for a funeral?

Many life insurance policies will pay a lump sum when you die to a beneficiary of your choice. It will pay for your funeral or any other general financial needs of your survivors. The payment is made soon after you die and doesn't have to go through probate.

Whole life insurance

Whole life insurance is a type of whole life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid. Whole life insurance builds cash value that can be used as a savings with a better interest rate while your living.

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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. ... 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.

 

Mortgage Protection Insurance

Mortgage protection insurance (MPI) is a type of life insurance designed to pay off your mortgage if you were to pass away — policies also cover mortgage payments (usually for a limited period of time) if you become disabled or diagnosed with a chronic illness such as heart ache, stroke or cancer. No medical exams needed and up to $1,000,000 in coverage available.

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Term Life Insurance

Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified number of years. If the insured dies during the time period specified in a term policy and the policy is active, a death benefit will be paid.