FAQs
We understand you may have questions about insurance options and our services. Here, we provide answers to common inquiries to help you better understand how we can assist you in achieving your insurance goals.
Common Questions
What is mortgage protection?
Mortgage protection insurance covers your mortgage payments in the event of your death, ensuring your family can retain their home. It's designed to provide financial security during challenging times and protect your loved ones from losing their residence.
Why consider final expense insurance?
Final expense insurance is specifically designed to cover funeral costs and other related expenses, alleviating the financial burden on your family. This type of policy ensures that your loved ones aren’t left with financial obligations during a difficult time.
Why Life Insurance?
For most people, providing a ready source of funding for grieving loved ones after death is an important consideration. When you die, will your loved ones be able to afford to pay your final expenses and debts and be able to maintain their current standard of living? If the answer is "no", it's time to explore various life insurance options to determine what makes the most sense for your situation.
Insurance Terminology Explained
Life Insurance
Term & Universal Life Insurance
Term life insurance is considered the most affordable type of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health. Many term life plans can be purchased without the need for a physical exam. We offer several term life options so that the coverage you select best matches your needs.
Universal Life Insurance is a permanent life insurance with flexible premiums and adjustable benefits. In addition to its cash values, which can be used for children’s educations, it can supplement retirement income and be used for incidental expenses. This plan is considered to be the most flexible type of life insurance
Mortgage Protection Insurance
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A home mortgage is typically any American family’s biggest investment and their largest monthly expense. Mortgage protection insurance is more than just a safeguard, it's an investment into your family’s future. With the proper coverage, you can rest easy knowing your family will never lose their home, even if an unthinkable tragedy should occur.
Final Expense Life Insurance
Final expenses are costs that arise at the time of a person's death, including burial costs and medical expenses. Final Expense is a whole life insurance policy designed to pay off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unplanned costs.
