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Term Life insurance is the most popular, and for good reason. Face amounts are available from 100K to $10 million and no medical exam policies can be purchase up to $1 million. Term rates are lower than any other life insurance product out there.
If your preference is to avoid a medical exam we have policies that can accommodate your preferences. Your choices range from no exam term and whole life to guaranteed issue plans with no medical exam or health questions.
Final Expense or Burial Insurance is typically purchased by folks later in life. These life insurance policies are designed to pay for final expenses like funeral and burial services along with unpaid medical bills and nursing home expenses.
Whole Life Insurance has been around for a very long time but still remains a popular option for individuals who prefer a cash value account that accumulates funds over the life of the policy. The cash in the cash value account earns tax-deferred interest which is much more than a savings account or CD’s will provide.
Universal Life (UL) is a great choice for individuals who want to accumulate wealth during their lifetime and then access that wealth at retirement. Insurers will allow the policyholder to access the wealth in the policy by taking very low-interest loans or withdrawals.
Individuals with multiple or severe health conditions are typically turned down for traditional life insurance. We offer guaranteed issue life insurance in these cases because the insurer agrees not to consider the health of the applicant to issue a policy.
Since people don’t live in a vacuum and life events happen to all of us, it’s important that your insurance agent offers outstanding customer service.
We’ve found that over the life of an insurance policy, clients will seek customer service assistant at least once a year. We understand that insurance policies are not static and changes will need to be made from time to time to accommodate life events.
These changes are handled by an experienced and reputable customer service representative and by licensed agents when appropriate.
The insurance professionals at LifeInsure.com are all about listening. We ask the right questions, and then listen, listen, and listen some more. We’ll work to mitigate your financial risks and walk you through the shopping, underwriting, and purchasing process. And, we’ll never intrude upon your privacy while we deliver the insurance product that will best meet your needs.
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