Get Your Free Life Insurance Quotes
Securing your loved ones’ futures is important, and we can make that process simple, the way it should be. You can begin the process now, by simply choosing the product below that you are interested in.
We pride ourselves on our outstanding customer service. Our simple approach to the insurance shopping and buying process makes us unique in the industry.
Term Life Insurance
Some experts support the philosophy of "buy term and invest the rest." Because term life insurance costs less than permanent life insurance, the money you save buying term can be put toward your personal investments, savings, or any other investment you might pursue. To see how affordable securing your family's future can be, our quick quote engine can provide you a quick, more general estimate, or you can use our comprehensive quote engine to receive a more accurate insurance premium quote and apply online.
Whole Life Insurance
Whole life insurance is purchased for the life of the insured, or until the age the policy endows, upon death of the insured or endowment, the entire death benefit is paid. The policy accumulates cash value as premium payments are made, and the insured may elect to take a loan out against this accumulated amount. Get a quick quote or a comprehensive quote on whole life insurance now to begin securing your future.
Universal Life Insurance
Universal life (UL) insurance is a type of permanent insurance that offers two death benefit options: Benefit Option A, whose benefit is guaranteed to remain level, and Option B, whose benefit cannot drop below the guaranteed benefit, but can rise above that amount if market conditions are favorable. Universal life contracts sometimes offer consumers preferred loans as attractive policy features. With a premium loan, an insured can elect to take a loan against his/her policy, with interest. To see whether Universal life insurance is right for you, just fill out our request a quote form and one of our nationally licensed agents will contact you to discuss your options.
Variable Universal Life Insurance
Variable universal life insurance provides you the opportunity to have life insurance protection and participate in debt and equity markets under one umbrella. Variable universal life insurance is a cash value accumulation policy that offers flexibility in premium payments and death benefit options to fit with changing life events. In addition, it allows you to invest the cash value among a wide variety of investment sub-accounts linked to stocks and bond portfolios. Simply complete a request a quote form and one of our nationally licensed agents will contact you to discuss your options.
Survivorship Life Insurance
"Second to Die" or "Survivorship Life" policies are usually used to provide estate liquidity for married couples. This type of policy offers an economical form of estate protection because at the second spouse's death, estates over a certain amount ($675,000 in 2001) may be subject to onerous federal and estate taxes, reaching as high as 55%. In addition, estates may also be subject to state estate taxes. Survivorship Life insurance pays the benefit amount at the death of the second spouse - when estate taxes are generally due- usually to the insureds' heirs. Survivorship life insurance offers several tax benefits. The proceeds may be received free of income tax. In addition, with proper ownership, the proceeds are not subject to estate taxes and yet can be used to pay estate taxes and other settlement costs. A certified financial planner, lawyer or tax expert may be consulted to gain a better understanding of the benefits of this life insurance. Simply complete a request a quote form and one of our nationally licensed agents will contact you to discuss your options.
Simplified Issue Life Insurance
Simplified Issue Life Insurance is basic life insurance coverage for those people with no time to pursue complicated plans. Simplified Issue life insurance is simple - no medical exams, no blood or urine tests, no medical records, just a few health questions and you can qualify. However, since it is easier to qualify for Simplified Issue than for Term insurance, the premiums are typically higher, and policies usually offer a lower death benefit. Simplified Issue life insurance premiums are guaranteed to remain level for the length of the policy, and, depending on the structure of the policy, a Simplified Issue policy may also accumulate cash value. You pay fixed, guaranteed annual premiums for the rest of your life, skip time-consuming medical exams, and have the security you deserve, simply.
Long Term Care Insurance
Few people can afford to pay for long-term care themselves. The cost of long term care varies widely across the country, but industry analysts agree that, because traditional health insurance, including HMOs, don't pay for such coverage, the sometimes staggering costs can mean financial ruin for the average family. Long term care insurance provides coverage for nursing facility care, home health care and community care. Our long term care quote engine can provide you with an idea of the cost of securing your legacy for your loved ones.
Disability Insurance
When a disability caused by an illness or injury interrupts your ability to work and earn an income, Disability insurance provides you with the financial protection you need to continue to meet your financial obligations during your loss. Request a quote on a disability policy to see how affordable securing your income can be.
