Types of Life Insurance I Offer
Every family is different. I'll help you find the right coverage for your unique situation.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses. Final expense insurance—often called burial insurance or funeral insurance—is a small whole life insurance policy. Its primary purpose is to cover funeral, burial, and other end-of-life expenses so loved ones aren’t left with a financial burden.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Whole life insurance is a type of permanent life insurance that provides coverage for your entire lifetime, as long as premiums are paid. Unlike term insurance, it never expires and also builds cash value over time, which you can borrow against or use if needed. Why people choose whole life insurance: Lifetime protection with guaranteed death benefits. Cash value growth that can be used for loans, retirement needs, or emergencies. Stable premiums that never increase. In short: Whole life insurance offers lifelong coverage plus a savings component, making it both protection and an investment in your future.
Key Features:
Coverage Amounts: Usually smaller than traditional life insurance, ranging from $50,000 to $15,000,000
Whole Life Policy: Premiums stay the same for life, and coverage doesn’t expire as long as payments are made.
Simplified Approval: Many policies don’t require a medical exam—just health-related questions—making it accessible to seniors or those with health issues.
Quick Payouts: Beneficiaries can often receive funds faster than with larger life insurance policies, helping them pay immediate expenses.
What It Covers:
Whole insurance can be used for:
Funeral and burial costs
Cremation expenses
Medical bills not covered by insurance
Outstanding debts (like credit cards or small loans)
Everyday expenses for loved ones
Generation wealth: Wealth left behind for your love ones
Retirement
WHO NEEDS IT?
Every individual from the age 16 days through 60
Individuals who don’t want to leave funeral or medical costs to their family
People looking for affordable, easy-to-get coverage
Parents mostly with minor children
Index Universal Life Insurance (IUL)
What Is Index Universal Life Insurance?
Index Universal Life Insurance (IUL) is a flexible permanent life insurance policy that provides both lifelong protection and an opportunity to build cash value.
Unlike traditional policies, the cash value in an IUL policy can grow based on the performance of a market index (such as the S&P 500®), without being directly invested in the stock market—offering the potential for higher returns while protecting your money from market losses.
How It Works
An IUL policy has two main components:
Life Insurance Protection: Ensures your loved ones receive a death benefit when you pass away.
Cash Value Account: Accumulates tax-deferred value over time, linked to a stock market index.
You can:
Adjust your premiums (within limits)
Access your cash value through loans or withdrawals
Grow your savings based on index performance, subject to a cap rate and floor rate (often 0%), so you never lose money due to market downturns.
Key Benefits
✅ Lifelong Coverage – As long as you maintain your policy, you stay protected.
✅ Market-Linked Growth Potential – Earn interest tied to an index’s performance.
✅ Downside Protection – You won’t lose cash value in a negative market year.
✅ Tax-Deferred Growth – Your cash value grows without immediate taxation.
✅ Flexible Premiums & Death Benefits – Adjust coverage and payments as your needs change.
✅ Living Benefits – Access funds during your lifetime for emergencies, retirement income, or medical expenses.
Who It’s Best For:
Index Universal Life Insurance is ideal for:
Individuals seeking long-term protection and cash value growth
Families wanting flexibility in premium payments
Professionals planning for retirement income or wealth transfer
Anyone who values protection with growth potential and downside safety
Key Features:
Coverage Amounts: Usually smaller than traditional life insurance, ranging from $150,000 to $15,000,000
Whole Life Policy: Premiums stay the same for life, and coverage doesn’t expire as long as payments are made.
Simplified Approval: Many policies don’t require a medical exam—just health-related questions—making it accessible to seniors or those with health issues.
Quick Payouts: Beneficiaries can often receive funds faster than with larger life insurance policies, helping them pay immediate expenses.
What It Covers:
Whole insurance can be used for:
Funeral and burial costs
Cremation expenses
Medical bills not covered by insurance
Outstanding debts (like credit cards or small loans)
Everyday expenses for loved ones
Generation wealth: Wealth left behind for your love ones
Retirement
WHO NEEDS IT?
Index Universal Life Insurance is especially helpful for:
Every individuals from the age 16 days through 65 years
Individuals who don’t want to leave funeral or medical costs to their family
People looking for affordable, easy-to-get coverage
Term Life Insurance
WHAT IS TERM INSURANCE?
Straight Term Insurance: Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Term insurance is a straightforward and affordable type of life insurance. It provides coverage for a fixed period—like 10, 20, or 30 years. If the insured person passes away during that time, the chosen beneficiary receives a lump-sum payment (called the death benefit). Why people choose term insurance: It offers high coverage at a lower cost. It’s ideal for covering big responsibilities like a mortgage, children’s education, or family income replacement. It gives you peace of mind during the years your loved ones need protection the most. In short: Term insurance is simple, affordable, and designed to protect your family’s financial future.
Term Convertible Insurance
Convertible Term Insurance Explained Convertible term insurance is a type of term life insurance that gives you the flexibility to switch your policy into a permanent life insurance plan by the time the policy is getting expired—such as whole life or universal life—without needing a medical exam or proving insurability again. This option is valuable because: You can start with the lower cost of term insurance. Later, if your needs change, you can convert to lifelong coverage. It protects you if your health changes, since you won’t have to re-qualify. In short: Convertible term insurance combines affordability today with the flexibility to secure permanent protection in the future. So, this policy is a permanent coverage. However, if you keep the same premium, the coverage would be reduced according to the plan it is converted to (Whole Life, Index Universal Life) and your age at the time it is converted.
Key Features:
Coverage Amounts: Usually smaller than traditional life insurance, ranging from $500,000 to $15,000,000
Term Life Policy: Premiums stay the same for the period of time that the coverage is taken for (10 years, 20 years, 30 years, etc).
Simplified Approval: Many policies don’t require a medical exam—just health-related questions—making it accessible to seniors or those with health issues.
Quick Payouts: Beneficiaries can often receive funds faster than with larger life insurance policies, helping them pay immediate expenses.
What It Covers:
Whole insurance can be used for:
Funeral and burial costs
Cremation expenses
Medical bills not covered by insurance
Outstanding debts (like credit cards or small loans)
Everyday expenses for loved ones
Generation wealth: Wealth left behind for your love ones
Retirement
WHO NEEDS IT?
Index Universal Life Insurance is especially helpful for:
Every individual from the age 18 years through 60 years
Individuals who don’t want to leave funeral or medical costs to their family
People looking for affordable, easy-to-get coverage
Parents mostly with minor children
PLANS POWERED BY TERM INSURANCE
Income Protection (15 -30 years term)
A lot of time we take our paychecks for granted without knowing that it is the source of our financial living until we lose it. If your income were to stop it would be like a financial heart attack, right!
How would you replace your significant other, your partner or your spouse's income if it were to stop?
If you are like most people, by the time you think about it, it’s too late!
So, what’s been put in place is the Income Protection. This will help replace your income in the amount of your choice for the amount of years of your choice. This will give your love one time to figure out what you’re going to do with your life and allow you to spend some valuable time with your children.
So, if one of the spouses has to pass, all the bills, debts and expenses are on the shoulders of a person that is alive income instead of two. There would be a big gap. The adjustment would be very hard to make because it was both incomes combined together that used to take care of the financial burden of the family. The Income Protection Plan replaces the full yearly amount of income of the individuals that passed during a period of five (5), or ten (10), or fifteen (15) years that is available to you in lump sum. That would give to the present parent or spouse peace of mind.
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Mortgage Protection (15-30 Year Term)
Because there will be an adjustment period after the death of a spouse, but the mortgage which is the most expensive bill, the mortgage will still have to be paid. It is hard for everybody especially the kids to leave their original home to move to a different one. This plan pays for your mortgage in full if you have to pass. Most plan like this would decrease accordingly to your mortgage as it is decreasing along the way with your mortgage balance. However, we provide you a plan that remains the same amount until your mortgage payment is done.
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College Education Protection (15-30 Year Term)
One of our major CONCERNS found had to do with your children’s future education. Most families want their kids to have the option to go to college or a trade school. These days it is almost indispensable. So, if you have to pass, this education program takes of the education of the children without concerns.
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Debt Protection (15-30 Year Term) As we know, most of American have debts. All types of debts. Unfortunately, when we die, our debts don’t die with us. This may pass from us to our love ones. To make sure that we left no burden on our spouse especially our children, this plan pays fully your debts according to the coverage of your choice in the event you pass.
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Child Rider (0-17 Year Old Children) This plan is rider and also a term insurance covers any amount of children from 16 days through 17 year old that you have until they are 35 years old. If God forbid 1 or more than 1 or several of your children have to pass, you would receive from $5,000 through $25,000 for each child. This rider comes with any of the available plan for additional $15 to your monthly premium for all the children combine together.
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Key Features:
Coverage Amounts: Usually smaller than traditional life insurance, ranging from $500,000 to $15,000,000
Term Life Policy: Premiums stay the same for the period of time that the coverage is taken for (10 years, 20 years, 30 years, etc).
Simplified Approval: Many policies don’t require a medical exam—just health-related questions—making it accessible to seniors or those with health issues.
Quick Payouts: Beneficiaries can often receive funds faster than with larger life insurance policies, helping them pay immediate expenses.
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What It Covers:
Whole insurance can be used for:
Funeral and burial costs
Cremation expenses
Medical bills not covered by insurance
Outstanding debts (like credit cards or small loans)
Everyday expenses for loved ones
Generation wealth: Wealth left behind for your love ones
Retirement
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WHO NEEDS IT?
Index Universal Life Insurance is especially helpful for:
Every individuals from the age 18 years through 60
Individuals who don’t want to leave funeral or medical costs to their family
People looking for affordable, easy-to-get coverage
Parents mostly with minor children
Key Features:
Coverage Amounts:
Usually smaller than traditional life insurance, ranging from $2,000 to $50,000.
Whole Life Policy: Premiums stay the same for life, and coverage doesn’t expire as long as payments are made.
Simplified Approval: Many policies don’t require a medical exam—just health-related questions—making it accessible to seniors or those with health issues.
Quick Payouts: Beneficiaries can often receive funds faster than with larger life insurance policies, helping them pay immediate expenses.
What It Covers:
Final expense insurance can be used for:
Funeral and burial costs
Cremation expenses
Medical bills not covered by insurance
Outstanding debts (like credit cards or small loans)
Everyday expenses for loved ones
WHO NEEDS IT?
Final expense insurance is especially helpful for:
Seniors who may not qualify for larger life insurance policies
Individuals who don’t want to leave funeral or medical costs to their family
People looking for affordable, easy-to-get coverage