Get a Free No-Exam Term-Life Quote Click Here

Life Insurance is a financial miracle

Life Insurance creates a cash asset, at a time of unexpected tragedy. It is available to protect a family from unpaid liabilities, mortgages, Credit Cards, other debts & loans, or even the loss of future income.

There are several types Life Insurance -Most Require NO Exam:

• term – (temporary life) – usually purchased for a specific period of time, for a temporary liability or temporary income replacement.
• whole life – a permanent form of coverage which accumulates cash value, and provides a level premium, level coverage for life.
• universal life – also a permanent form of coverage using current interest, and a cash value accumulation, completes with WL.
• indexed-universal Life – a permanent form of protection, participating with a stock market index to determine internal returns.
• variable-life – is a permanent form of coverage, with cash values invested in mutual funds to provide a potential stronger return.
• Guaranteed Issue Life – is a permanent form of Whole Life insurance which provides final expense protection on a guaranteed issue.
• All of these serve a purpose or address a specific circumstances that often vary based on individual situations.

The amount of coverage needed is a personal choice. It is determined by the minimum amount issuable by the insurance carrier. Often the amount of coverage is limited by age, affordability, or other qualifying factors. Many people buy an amount of life insurance that primarily covers their outstanding obligations. This amount may include coverage to replace a portion of the breadwinner’s lost income.

Options:

• Disability rider – provides a limited loss of income protection, for up to 2 yrs.
• Critical Care benefits – provides a lump sum benefit up to 90% of the plans primary coverage amount.
• Job loss coverage – covers the premium loss for a period certain, due to a non-elected loss of employment.
• Waiver of Premium – covers the loss of premium to due to disability until return to work or age certain.
• Return of Premium – provides a return of most or all premiums at a certain age, less any loan or claims paid.
• Long-term Care coverage – provides a payout of a percentage of the face amount at qualifying events.

Get A Free Final Expense Whole Life Quote, Click Here

Return Home

---