Life and Disability Insurance
Your Coverage Options
Having life insurance is a no-brainer, but what kind? Here we have quote engines for two of the most-requested options:
- TERM – This kind of insurance will last for a certain number of years and then stop. At the end of the term, some carriers will give you your premium back if you didn’t use the coverage. Our clients love this because they can get a larger death benefit for less money every month.
- FINAL EXPENSE – This kind of insurance is really popular with our clients over 50. It’s permanent coverage, so once they take you on as a client, they can never get rid of you unless you decide to get rid of them first. It’s perfect when you’re wanting to put something in place you’ll never outlive.
Whichever type makes the most sense for you, we recommend a policy with living benefits you can use while you’re alive. The costs of medical emergencies can be astronomical – making Medical Bills one of the biggest reasons for Bankruptcy in America.
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