Annuities
There are two basic types of annuities – deferred (where you deposit money in either a lump sum or on a regular basis but don’t collect right away), and immediate…
Disability Income
Disability Income Insurance is insurance coverage that provides monthly payments, up to a specified amount and for a specific time period after a covered illness or injury occurs.
Group Long Term
Group Long Term Life and Accidental Death and Dismemberment coverage is designed to provide you with needed coverage at group rates and sponsored by your Employer or Group.
Burial Insurance
A burial insurance policy can actually be a whole life insurance policy or a term life insurance policy. Don’t get caught in a bad situation, make sure your burial expenses are covered.
Long Term Care
Long Term Care Insurance is when an individual faces the prospect of needing nursing or extensive care, and provides for alternatives to a nursing facility in favor of care within his or her own home.
Return of Premium
Return of Premium (ROP) life insurance performs like a standard life insurance policy, where you pay money to the insurance company, and the insurance company will pay…
Buy-Sell
Buy-sell insurance is one of the best ways to assure the continuation of a business in the event of a partner’s death or disability.
Final Expense
Final expense insurance, also known as burial insurance or funeral insurance, is a specialized form of life insurance that specifically addresses the financial needs associated with end-of-life expenses.
Guaranteed Issue Life
Guaranteed issue life insurance, also known as Burial insurance, is essentially a whole life insurance product with a simple application process and small face value.
Mortgage Life
Mortgage life insurance pays off the mortgage on your home in the event that you die or become disabled.
Second To Die Life
Second to die insurance is traditionally used as an estate-planning tool that pays a death benefit only upon the death of the second insured.
Whole Life
Whole life policies offer death benefits and a “savings account” (also called “cash value” or sometimes “account value”) so that if you live…
Graded Death Benefit
Graded Death Benefit life insurance has “graded death benefit” policies. This means that the death benefit in the first few years is less than the full amount of insurance applied for.
Impaired Risk
Most people have an idea that they are high risk or not due to a medical issue or condition. But you can also be high risk if your background includes…
Key Person
Key Person insurance, or Key Employee insurance, is coverage that will protect a company in the case of an untimely death or disability of a top salesperson, executive or business owner.
Payroll Deduction
Payroll deduction for insurance is a convenient way to obtain insurance coverage that has gained enormous popularity.
Term Life
Term Life Insurance is generally the least expensive and least complicated type of affordable life insurance – for short term needs.
Universal Life
Universal life insurance was developed in the 1970’s, when insurance industry regulations changed so that companies could be more competitive with other financial services industries.
