Life Insurance types and needs


Insurance can be confusing and it’s hard to know what you really need or want. Here are a few reasons why having life insurance is important:


  1. Final Expense Insurance. Plan for your final expenses Sudden death can create serious financial problems. With proper planning, you can make sure that in the event of your death, your loved ones will be able to pay any outstanding debt or cover your funeral expenses. (Golden Protection insurance,

  2. No medical whole life. Find insurance regardless of your health problems Are health problems preventing you from getting life insurance? Have insurance companies turned down your application time after time? Don't give up yet! (Total protection)

  3. No Medical Term & Whole Life. Coverage with no medical exam or blood tests* Looking for a quick and simple way to obtain coverage, with no medical exam or blood tests*? We have the solution you are looking for. These products are also ideal for anyone who, for medical or other reasons, has difficulty purchasing life insurance at standard rates ( No medical term, No medical whole life )

  4. Youth Insurance. Insure my children Our child life insurance provides a safety net should the unthinkable happen, allowing the family the time needed to heal( almost all products available)

  5. Mortgage Insurance. Get custom coverage for your new property If you have a mortgage or other long-time loan, it's important to protect your investment with the proper insurance coverage. You can get better options with an individual policy than you would with a product offered by your bank ( mortgage insurance or flex options)

  6. Term Insurance. Cover temporary needs Looking to increase your coverage for short-term requirements, such as paying off a home or business mortgage, a car loan or to save or pay for your children's education? Our product gives you flexible, affordable term insurance, with guaranteed premiums in case of death or disability. ( flex term, no medical term)

  7. PAR Whole Life Insurance. Purchase life insurance with a savings component Wish you could save for that special project while getting life insurance? Our insurance products generate dividends that can increase your cash flow, reduce your insurance costs or accumulate for an even larger payout! Certain dividend options may even offer tax-shelter benefits. (use Bank on Yourself strategy )

  8. Insurance for your business. Get insurance for your business As an entrepreneur, you may want life insurance that provides coverage to meet significant needs in the event of your death, such as repayment of debts or major startup costs, to protect a partner, or fund a buy-sell agreement. (term or whole life)

  9. Charitable Insurance. Make a bequest to a charitable organization If you wish to make a gift to a charity from your estate, our life insurance products allow you to name the charitable organization of your choice as a beneficiary.

Do you know anyone affected by any of the following? Previously declined Diabetes, type 1 or 2 Heart & Stroke DUI / Driving record Drug or alcohol abuse Too short for their weight Depression / Anxiety MS / Parkinson High blood pressure High cholesterol Family health history Cancer survivor Rheumatoid arthritis Epilepsy We can still help! Some conditions might apply.

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