Life insurance is a contract between you and an insurance company to pay a lump sum of money to a beneficiary upon your death for a set monthly premium.

Life insurance protects your family by providing financial support and security in the event of your death. Here's how it works:

1. Financial Security for Your Family: When someone passes away, it's hard for the family to both grieve and pay for final expenses. Most of our clients also want to leave a legacy for their family such as providing the ability to buy or pay off a house, paying for car or college for their grand kids or leaving something for their spouse. 

2. Income Replacement: If you are the primary breadwinner in your family, your death could create a significant financial burden. Life insurance can replace your lost income, ensuring that your family can continue to meet their day-to-day living expenses, pay bills, and maintain their quality of life.

3. Debt Coverage: Life insurance can be used to pay off outstanding debts, such as a mortgage, credit card debt, or personal loans. This prevents your family from being burdened with financial obligations they may struggle to manage on their own.

4. Education and Future Expenses: The death benefit can be used to fund your children's education, including college tuition. It can also cover future expenses, like weddings or starting a business, helping your family achieve their goals.

5. Funeral and Final Expenses: Have you ever had to come up with thousands of dollars within a few days?  This is what families have to do everyday when someone dies.  They have to quickly figure out how to pay for the loss of a loved one. Life insurance can cover the costs associated with your funeral and other final expenses, relieving your family from these financial burdens during a difficult time.

6. Estate Planning: Life insurance can play a crucial role in estate planning, ensuring a smooth transfer of assets to your heirs and minimizing potential estate taxes.

7. Peace of Mind: Having life insurance provides peace of mind, knowing that your family will be financially protected if the unexpected happens. It can help reduce anxiety about their future financial well-being.

In summary, life insurance serves as a safety net for your family. It ensures that they have the financial resources they need to maintain their quality of life and achieve their long-term goals, even in your absence. It's a valuable tool for safeguarding your family's future and well-being.

We get this question everyday.  You don't need it - your family needs it.  If you haven't had to directly deal with someone's death then consider yourself lucky. It is a devastating event that happens when you least expect it.  But maybe you do expect it, maybe your loved one is sick for a long time and you know that it will happen one day.  You can't wait to get sick to get life insurance because at that point it will be too late.  If you're like the millions of Americans who have cancer and heart issues that run in your family, don't "think" about getting life insurance, get life insurance today. 

There are life insurance carriers that require medical exams however our agency focuses on those policies and those carriers that do not require medical exams.

No, you pay for your policy when you want it to become active after it has undergone the underwriting process. Typically speaking, underwriting can take 10 to 14 days to complete and for your application to become approved. You decide on what date your life insurance premium will come out of your account and you decide moving forward, what day of the month your life insurance premium comes out of your account.

A life insurance applications can be done over the phone, in person or online. They take about 15 to 20 minutes depending on the length of the application. You can sign your application document in person or through your email with an e-signature process.