LIFE INSURANCE PROTECTION FOR ALL YOUR INCOME NEEDS

LIFE INSURANCE CAN BE USED TO PAYOFF YOUR MORTGAGE IF YOU DON'T LIVE LONG ENOUGH TO COMPLETE YOUR MORTGAGE OBLIGATION.

•  In just a matter of minutes, you can Get a quote and compare rates. Then, apply Online with "A" rated Insurance Companies by answering a few simple questions without an agent visit. 

• We recommend using Level term life Insurance. Some insurance companies use a decreasing term instead of level term. This type of Mortgage insurance protection allows the death benefit to decrease as the mortgage balance decreases.  

•  A level term life insurance policy provides more protection because any positive difference in the policy death benefit and the remaining mortgage balance is paid directly to your beneficiary so that the additional insurance money may be used by your beneficiary to help cover any other final expenses, or loss of income needs. 

•  A paid off mortgage means your surviving family will have the deed to their home, not the continued burden of a monthly mortgage payment.

The U.S. Department of Agriculture, says as of 2015 the average cost of raising a child was $233,610

• Level Term life Insurance is idea to cover specific periods in your spouse's lifetime that may be their most vulnerable.   For instance, to cover a mortgage if the mortgage payer doesn't live long enough to pay the mortgage off.  Typically, a mortgage may last 15, 20 or 30 years.  

• Another typical use for term insurance is to cover the dependent years that you will be responsible for your children's expenses.

• Did you know that, according to the U.S. Department of Agriculture, the average cost of raising a child to age 18 was $233,610 as of 2015?

• With an annual adjustment for inflation each year factored in, the cost of raising a child born in 2022 could be estimated to be $272,049. 

• As you can see, if you add the cost of a mortgage to the cost of raising a family, it is not uncommon to have a life insurance need of half a million or more.

• For most people, a term life insurance policy is the most affordable solution.  For some, it is the only solution.

• We have 50 years of insurance experience helping clients prepare for the unknown. 

• You can get the right Term Life Plan for your individual, or Family Life Insurance Needs, from highly respected insurance companies, at their lowest possible rates.

• Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly.  

• Often our policies can be issued the same day. Sometimes you will have a decision within minutes.

• Everyone has different insurance needs.   However, If you are like most people today, you would rather do your term life insurance shopping online without an insurance agent visit to your home, or office.

 A SENIOR LIFE POLICY TO PAY YOUR FINAL EXPENSE OBLIGATIONS, SO THAT THEY DO NOT UNEXPECTEDLY CREATE A BURDEN ON YOUR LOVED ONES.

INSURING YOUR CHILDREN or GRANDCHILDREN WITH A WHOLE LIFE INSURANCE POLICY IS VERY AFFORDABLE WHEN PURCHASED AT A YOUNG AGE.