Life Insurance for You

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

What are your needs?

  • Whole Life Insurance

    Whole Life Insurance is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against. The most basic form of cash-value life insurance where dividends or interest is allowed to build-up tax-deferred.

  • Universal Life Policies

    Universal life insurance is a type of permanent life insurance that combines lifelong coverage with a cash value component that can grow over time. It offers flexibility in premium payments and death benefits, allowing policyholders to adjust them based on their needs. The cash value accumulates based on interest rates, which can fluctuate, and can be accessed through withdrawals or loans. 

  • Term Life Insurance

    Term Insurance is the most affordable type of insurance designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, like your mortgage.

  • Final Expense

    Loans, credit card debt, estate costs, the funeral... most people leave behind unpaid expenses when they die, expenses that, if left unattended, burden their families tremendously. Final expense coverage is life insurance that pays off these debts, ensuring that everything will be taken care of if you pass. Policies can be guaranteed as well meaning no medical exams needed.

When would I need a life insurance policy?

Life’s unpredictable and we can’t plan for everything, but we can make sure our loved ones are protected no matter what.

A life insurance policy gives your family peace of mind, helps cover final expenses, and can even replace lost income. It’s not just about money, it’s about making sure the people you care about are taken care of if the unexpected happens.

Think of it as one less “what if” to worry about.

How do insurance policies work? What if I’m sick?

Generally, insurance policies work by law of large numbers. Insurance works by helping cover the catastrophic events in the insured’s lives not the average. This means that most people will hopefully never pull from their policy but can rest assured that if something were to happen that the cost would not devastate their finances.

Usually you will need to go through medical underwriting which will take a full scope of your health condition and the insurers will adjust your cost of coverage according to potential for accidents or claims. The healthier you are at the time of signing the better but no matter your health it is always best to find a policy to cover the catastrophic.

Can’t Qualify for Life Insurance? There’s Another Way.

Annuities and IRA-funded retirement accounts can help you build financial security and leave a legacy. These options let you grow your money over time, provide income in retirement, and even pass funds to your loved ones. All without needing to qualify medically.

No matter your situation there are solutions for your family

If you have pre-existing conditions that after underwriting adjusts your costs too much you still have options. Money market accounts that will grow your money for retirement act similiar to an adjusted life account to have income in retirement. No matter your families situation we can go over your goals and financial contributions to see what would fit your life best.

Heard about IULs?

Indexed Universal Life Policies
If you're thinking ahead, not just about protecting your family but also about building something for the future, an Indexed Universal Life (IUL) policy might be the right fit.

An IUL is a type of life insurance, but it's not just about the death benefit. It also builds cash value over time, tied to the performance of a stock market index (like the S&P 500). The best part? You're not actually invested in the market, so your money is protected from losses if the market dips — but you still get the chance to earn tax-deferred interest when it grows.

That cash value can be used later in life for retirement, emergencies, or even big goals as a loan, all while keeping your life insurance in place. Certain IULs come with flexible premiums and benefits that can adjust with you as life changes.

It’s a powerful tool if you're looking to protect, grow, and access your money in one place.

Need a personal look at your health options?

We have agents ready to make sure you are getting the most out of your plan.

Or give us a call at 214-324-6969