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Term Life is simple. You pay a premium for a period of time (the term) from 5, 10, 20, 25 or 30 years and if you die during that time the insurance is paid to the person or persons you designate to receive it - called the beneficiary(ies).
Term Life insurance has the lowest premium making it the most affordable life insurance. Term Life does not build cash value.
Whole life is a type of permanent life insurance. It’s called permanent because a whole life policy provides life-long protection and is guaranteed to do so by the insurance company. With whole life, you pay a fixed premium for life. With whole life insurance policies, as long as you pay the premiums, the death benefit will be paid. These policies are designed and priced for you to keep over a long period of time and whole life policies build cash value. What is Universal Life Insurance?Universal life insurance assumes an interest rate and the cost of insurance and comes up with a projected or Target premium. If the insurance companies' projections on their universal life policy do not come through, then you may have to come up with higher premiums later or have lower than expected cash values.You can now get universal life insurance and guarantee that the policy will last for a lifetime. It may lose its cash value but the insurance amount can be guaranteed for life.
Mortgage protection life insurance is simply insurance that is meant to pay off your mortgage in case of your death while the mortgage is not fully paid.
The original type of mortgage life insurance followed the amount of the mortgage balance so, as your mortgage obligation decreased, so did the amount of insurance. Today it usually makes more sense to get mortgage life insurance equal to the original mortgage amount but instead of a decreasing amount of insurance, you simply get the most inexpensive level term insurance. Adding Return of Premium to your policy for mortgage term life insurance refunds all pf the premium payments back to you at the end of the term. What is Final Expense Insurance?Final Expense Insurance is a Whole Life permanent insurance policy that can be purchased without a health exam and by being able to answer "No" to just five health questions. Final expense can be purchased for any amount from $1,000 to $30,000. What is a Critical Illness Policy?A Critical Illness policy is designed to pay an immediate Lump Sum of cash upon first diagnosis of Cancer, Heart Attack, Stroke, Renal Failure, Terminal Illness, and other illness. This policy can usually be issued without an exam. A simple Saliva Swab is usually all that is needed. This coverage also has a death benefit and can include a disability income rider thats would also pay a monthly benefit if disabled and you can not work. Health Solutions - Life Solutions - Retirement Solutions .... Solutions for Protecting your Assets . Ask US How!