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Our platform allows you to obtain a quote and apply for coverage without ever meeting with an agent in person. Everything can be completed over the phone in just a few minutes. No need to wait until tomorrow. Text or Email today to schedule a call.
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Our quoting software searches over 40 insurance companies providing flexibility to obtain a cost that fits within the family budget. The process is quick and easy. Contact us now to obtain a quote.
Life insurance is an asset people know they need. Providing your medical history and financial information to an agent can seem uncomfortable, therefore, this often gets put off. With our system, we can discuss your options, provide a quote and get the process started in less than 15 minutes, all over the phone. In most cases, your health and financial information will be obtained directly by the insurance company.
Life Insurance premiums are based primarily on your age and health. You will never be younger than you are right now and in most cases, you will never be healthier. Don't put this off until tomorrow. If issued, the insurance company cannot increase your rate nor decrease your coverage amount during the term length of the policy, regardless of your change in age and/or health. However, you can always decrease or terminate your coverage at any time by notifying the company.
- Newly married or divorced, a birth of a child(ren), purchasing a new home or other major purchases
- Provide or pay off the cost of an education for your children or grandchildren, even after your death
- Provide funds needed to maintain your family’s current lifestyle upon you death
- To give you peace of mind that your family will be taken care of financially after your death
Generally speaking, it is recommended to apply for 5X to 10X your annual income for the longest term length available to you, i.e. 20 or 30 years. If that premium is not affordable, you can decrease the coverage amount and/or the term length to adjust the monthly premium to fit your budget.
Based on your age, you have the option of applying for coverage with a 10,15, 20 or 30 year term length. If issued, your rate cannot increase nor can your coverage amount decrease during the term length even as you get older and/or your health deteriorates. However, you can always decrease or terminate your coverage at any time. Because of these policy provisions, it is strongly advised to apply for the longest term length available and for the maximum coverage amount you feel you will need at the time you apply for coverage.
If this option is selected, living benefits provide access to a portion of your life insurance coverage to help pay for financial needs while you are still alive. These benefits vary with each company, but generally, qualifying conditions include: heart attack, stroke, cancer, end-stage renal failure, ALS, a major organ transplant , paralysis or blindness. Some may include chronic illness which would require that you not be able to perform two of the six Activities of Daily Living (Bathing, continence, dressing,eating,toileting and transferring).
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