Life Insurance protection can be owned and designed for special needs.
We specialize in finding the right plan at the best rate. 
There are several factors that will determine the best rate for you.  We do not offer ‘teaser’ rates.  Don’t be fooled by Super-rates that are based on a census that may not apply to your medical history or build.  We try to match your needs and goals with a true rate.  We will find the best rate for you.  If you have a favorable medical history you may qualify for ‘Preferred Rate’ tables.  If you have been treated for certain medical conditions we also have companies that may offer special consideration for your medical history.  Let us help you work through that.

We also have many requests for Mortgage Life Insurance.   
Save money and invest your time letting us shop for the best life insurance protection for you, your wife and your children.  We can shop price and coverage for you.  Our goal is helping you find a plan that is both affordable and practical.

Many of our clients ask about Child Life Insurance coverage.  This has been very popular.  Children’s life insurance is affordable and ownership can be given to them when they are adults.  The best part is that when they are adults their premium will be the same from the time the policy was purchased!!  Imagine if you only had to pay pennies on the dollar for your personal premiums now. 

Term Life Insurance is usually the cheapest.  It can have level premiums for 10, 20, or even 30 years. 
Traditionally ‘Term” has no cash value and coverage ends at the period you select.  Some companies may offer a ‘Return of Premium’ benefit.  For example, after 30 years you can have all the premium you paid returned at the end of 30 years. 
Ask about our ‘Rapid Decision Term’ life insurance…this option offers up to $300,000 of coverage with No Physical Exam and can be issued within ONE WEEK.  Just answer some health questions to your agent over the phone. 

Universal Life Insurance can be in-force past age 100 (depending on the plan and the company).   So, this type of plan can last beyond retirement and you may pay the premiums based on the age you purchased the life insurance.  Universal Life insurance can be designed to have a level death benefit to age 110 (that’s right) or can be purchased with the purpose of building cash values.

Whole Life Insurance - This is also ‘Permanent’ life insurance.  The premiums are guaranteed to never increase (as long as your premiums are paid on time).  The Death Benefit is guaranteed.  Cash Value builds in this type of plan and the cash values may be applied to future premiums.  Also, this can be designed so the death benefit increases over time as the premium stays the same.  This has strong benefits when reviewed.

 Final Expense Plans Life Insurance - These are mostly designed for those who just need a Final Expense plan with lower death benefits.  We have a plan that offer GUARANTEE ISSUE regardless of your medical condition.  There are NO medical questions and NO physical exam required.  You cannot be turned down from this coverage!  There are a few guidelines we need to discuss and verify this will fit your goals. 
Also, there are other Final Expense plans that can also be affordable with just a few medical questions.  The difference is this plan may be more affordable than the Guarantee Issue life insurance.