We offer a range of insurance products including life, mortgage, and business insurance and annuities.
Life insurance coverage offers you the opportunity to provide for and protect your loved ones. By putting a plan in place to cover expenses that may arise in the event of your death, you can help secure their long-term financial future. These funds can assist your loved ones with living expenses, enabling them to stay in their home, pay off debts (including final expenses), contribute towards college tuition, or leave a lasting legacy.
We offer Whole Life, Term Life, Universal Life, Final Expense, Accidental Death and Dismemberment, and Variable Life insurance policies.
Whole Life Insurance is a type of permanent life insurance policy that covers the policyholder at a locked-in rate for their entire life. It accumulates cash value over time, which can be used for various life events while the policyholder is alive.
Term Life Insurance is temporary insurance that provides protection for a specific period of time. Once this period ends, the policy also terminates, along with the coverage. Term Life Insurance is generally more affordable than other types of plans but is not intended as a long-term solution.
Unlike Whole Life Insurance, which locks in a rate for life, Universal Life Insurance is a type of permanent policy that offers policyholders the flexibility to adjust the coverage amount, pending approval from the life insurance provider. This flexibility can be advantageous for those expecting changes in their financial situation over time.
Mortgage Protection Insurance (MPI) is a type of life insurance that pays off the remaining balance on your mortgage if you die before the mortgage is fully repaid. It is a safety net, ensuring the protection of your family and home. This affordable life insurance for homeowners provides financial security in the event of the unexpected.
Final Expense Insurance, also known as Burial Insurance, is a type of whole life insurance policy designed to cover the expenses families face upon the death of a loved one. This insurance ensures that your loved ones are not burdened with financial debts after you pass away. Final expenses typically include medical bills, funeral or memorial services, and the costs of burial or cremation. In the United States today, the average funeral and burial costs approximately $9,000, not including end-of-life medical expenses. Protect your family from bearing these expenses alone with an affordable Final Expense insurance policy.
Terminal Illness Insurance (known as accelerated death benefit in North America) pays out a capital sum if the policyholder is diagnosed with a terminal illness from which the policyholder is expected to die within 12 months of diagnosis by a physician who specializes in that illness or condition.
Long-Term Care Insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. It provides benefits for a wide range of medical, personal, and social services for people who require help with daily activities of living.
Critical Illness Insurance is a type of supplemental insurance that pays out a one-time lump sum cash benefit if you are diagnosed with a covered condition, such as cancer, heart attack, or stroke. It is designed to assist with the cost of treating and recovering from serious conditions requiring expensive treatment and procedures.
Even with health insurance, you may encounter gaps and unexpected out-of-pocket costs when hospitalized. Hospital confinement insurance provides cash for each day spent in a hospital, helping cover deductibles and other expenses that health insurance may not fully cover.
Debt Free Life is a modern way to pay off debt using the cash value of a specialized whole life insurance policy. It provides coverage for debts such as mortgage payments, student loans, auto loans, credit cards, home equity loans, and medical bills.
Infinite Banking is a personal finance strategy that involves taking out loans against a whole life insurance policy, allowing policyholders to become their own banker. This involves overfunding a cash value life insurance policy and treating it as a line of credit.
Your insurance premium may be affected by factors such as your age, health record, and the type of coverage you choose. Generally, younger and healthier individuals will find the policy more cost-effective.
Your coverage needs depend on factors such as your age, financial strength, and your family’s circumstances. Each family's needs are unique, so it's not a one-size-fits-all situation. Each policy is tailor-made to fit the specific needs of the individual or family.
Life insurance for children is typically purchased by a parent or guardian as a safety net. These policies can be either permanent or term-based, typically lasting until the child reaches adulthood. A permanent policy allows the child to maintain coverage for their entire life at a locked-in lower rate due to their young age, while also building cash value that can serve as a legacy inheritance.
An annuity is a contract between an individual and an insurance company that guarantees a fixed amount of money for the rest of their life in exchange for a single payment or a series of payments.
You should discuss your unique situation with an agent and build a policy that will protect your family. Contact us to start the conversation.
You may reach out to Simone Peters Bottos or any other associate to discuss opportunities in the life insurance industry. Contact us to learn more about our mission and our current open roles. We look forward to connecting with you!
If you have any further questions not addressed above, please don't hesitate to contact us. We're here to assist and clarify any uncertainties you may have about the insurance process.
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