We're independent, so we can place you with whichever A-rated carrier fits your age, health and budget. Here's what that usually looks like.
A small whole life policy designed to cover the bills that land the week after a funeral: the service, the plot, outstanding medical costs and travel for family. Premiums are fixed for life and the death benefit never shrinks.
The most coverage for the lowest cost during the years your family depends on your income. Pick a 10, 15, 20 or 30 year term to line up with the mortgage or the youngest child finishing school.
Permanent coverage that also accumulates cash value. Whole life grows at a guaranteed rate; an IUL credits interest tied to a market index with a floor that protects you in down years, and the cash value can be accessed later.
Locks in a lifetime of insurability at a child's health and age. The premium never increases, the policy follows them into adulthood, and the cash value has decades to grow.
That's the normal answer. Tell us about your situation and we'll recommend one plan and explain why.
