Protect Your Family with Affordable Life Insurance

• Term Life Insurance: Provides coverage for a specific period, such as 10, 20, or 30 years.
• Whole Life Insurance: Offers lifelong coverage with fixed premiums and cash value accumulation.
• Final Expense Insurance: Covers end-of-life expenses like funerals and medical bills.
• Universal Life Insurance: Combines lifelong coverage with flexible premiums and a cash value component.

The amount of coverage depends on your financial situation and goals. A common guideline is to purchase a policy worth 10-15 times your annual income. Consider factors like debts, living expenses, and future financial needs of your family.

Life insurance is ideal for:

• Parents or guardians with dependents.
• Homeowners with a mortgage.
• Business owners looking to protect their company.
• Seniors who want to cover funeral and end-of-life expenses.

Yes, many providers offer affordable options for seniors, including final expense and term life insurance plans.

• Term Life Insurance: Coverage for a set term, with lower premiums and no cash value.
• Whole Life Insurance: Lifetime coverage with fixed premiums and a cash value component.

No, the death benefit paid to your beneficiaries is generally tax-free. However, any interest earned on the payout may be subject to taxes.

Yes, many insurers offer policies for individuals with pre-existing conditions, though premiums may be higher. Some policies, like guaranteed issue life insurance, don’t require a medical exam.

If your term life policy expires, you can:

• Renew it (often at a higher premium).
• Convert it to a whole life policy (if your insurer allows it).
• Purchase a new policy, depending on your age and health.

You can name any individual, trust, or organization as a beneficiary. Ensure your choice is clearly documented to avoid disputes or delays in the payout.

Yes, most policies allow you to make changes to your coverage or update your beneficiary designation. Contact your insurer for assistance.

After the insured’s passing, the beneficiary files a claim with the insurance company, providing necessary documentation such as a death certificate. Once approved, the payout is typically issued as a lump sum.

Some policies have a waiting period (commonly 2 years), especially guaranteed issue plans. During this time, the insurer may only return premiums paid if the insured passes away.

• Get a quote to compare plans and rates.
• Complete an application with your personal and health information.
• Depending on the plan, you may need a medical exam.
• Once approved, start your coverage by paying the first premium.