Life

I offer you the best in affordable term LIFE INSURANCE and permanent universal life, whole life, group life and accidental death benefit. I’ve contracted with  AIG, American General, Banner, Genworth, Gerber, John Hancock, Legal & General, Lincoln National, Mass Mutual, MetLife, Midland National, Mutual of Omaha, North American Company for Life and Health Insurance, Ohio National, Oxford Life, Protective, Prudential, Transamerica, United Home Life   These companies offer us a full array of rate guarantees to match your exact needs. They offer preferred health discounts, substantial non-smoker discounts, and preferred smoker discounts.       

I can design a Life Insurance policy to fit any budget, accommodate any death benefit amount, and structure the exact amount of years that you would like to pay premiums for. I offer a universal life policy that has a level death benefit and no emphasis on cash value. It has a rider that guarantees the same level death benefit until age 100 when it becomes paid up and continues providing coverage until age 121 and the premium is guaranteed …                                                                 

Through the use of Life Insurance, I can help you fund your buy and sell or stock redemption agreement, as well as all of your estate planning needs. 

Think you can’t buy Life Insurance due to more serious health conditions?  I have assembled a number of unique insurance companies that offer simplified issue term, whole life, and universal life policies. Depending on what you can qualify for, the full death benefit can begin from immediately to 2 years. They offer death benefits from $5,000 to $250,000.  In addition, most of the companies do not require a para-medical examination or lab testing. These companies do ask medical questions!

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