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Life Insurance

We also offer: HR and Safety/OSHA Compliant Services and Payroll Services

Individual Life Insurance

Your family history plays a large role in underwriting for life insurance.  If you have an immediate family member pass away from illness before age 50 that could raise your rates on life insurance.  There are other risk factors that can affect your rates, so it is important to talk with an agent before purchasing life insurance.  It is important to be upfront and honest about your health conditions with your agent so they can locate the company that will work best for you.

Term versus Whole Life

The days of buying a life insurance policy that will pay you $10,000 upon your death guaranteed are over. These policies just cost too much money. We ask the question, why give up more money than you should to the insurance company?
Instead, you should buy a term life insurance policy during your working years to protect your earnings for your family, and then use the difference to invest and pay for your funeral arrangements with retirement money. When you compare the costs of term life and whole life, you will notice the extreme cost difference and see that there is plenty of money to put away in savings rather than buying an expensive policy.
It is important to talk with an agent and understand the differences in philosophy from these two types of insurance. We can also show you how to invest your money without market risk to better protect your nest egg.

Click here for to contact us about Life Insurance

NEED HELP? For personal service call 972-463-3833 or click here to request information.