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Life, Health, Medicare, Final Expense, Annuity, IUL Insurance.

Life insurance covers the financial needs of your loved ones in the event that something unfortunate should happen to you. Obtaining life insurance is one of the most important things you can do to create financial security for your dependents. We work with you to calculate how much life insurance you need to protect your family and help you decide which type of policy is best for you.

• Term Life — Provides coverage for a certain time period. You choose the term. Meant to replace income and pay off large bills.
• Universal & Indexed Universal Life —Allows owner to invest their premiums, allowing for the possibility of the cash value to increase.
• Whole Life — Premium remains the same for as long as you live. Death benefit is guaranteed. Cash value grows at a guaranteed rate.
• Single Premium Life — A lump sum is paid into the policy for a guaranteed death benefit.
• Simplified Issue — Allows you to skip a medical exam. Instead, you answer a health questionnaire.
• Final Expense-Burial Insurance — Smaller death benefit meant only to pay for funeral and burial costs. Comes as simplified or guaranteed issue making it easier for seniors with health issues to get approved.

No matter which type of policy you choose, having life insurance assures that your family will have financial support should the unexpected occur. Don’t wait – request your personalized quotes now.

Medicare is a federal health insurance program in the United States for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). There are four parts of Medicare: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care services.