Life insurance covers the financial needs of your loved ones in the event that something unfortunate should happen to you. Obtaining life insurance is one of the most important things you can do to create financial security for your dependents. We work with you to calculate how much life insurance you need to protect your family and help you decide which type of policy is best for you.
Universal & Indexed Universal Life
Single Premium Life
Final Expense-Burial Insurance
No matter which type of policy you choose, having life insurance assures that your family will have financial support should the unexpected occur. Don’t wait – request your personalized life insurance quotes now.
Mortgage Protection Term Life Insurance
This type of insurance policy is typically used for the intention of paying off a home mortgage at the time of death. Policy terms are available for 15, 20 or 30 years.
Return of Premium Life Insurance
This type of term life insurance returns the premiums paid for coverage if the insured individual outlives policy's term, or pays the beneficiary the total amount of the policy upon death if within the term. For individuals between the ages of 20-50, research shows that it is more likely than not that an individual whom acquires term insurance will outlive the coverage, so why not receive the premiums back at the end of the term.
Whole Life or Permanent Insurance
This type of policy that provides lifetime protection by paying a lump sum death benefit. Whole life policies differ from term insurance in that they have a savings component that grows at a fixed rate referred to as cash value. With this type of insurance a policy holder may take withdrawals or loans against the cash value which usually have a minimum guaranteed rate of interest.
Variable Premium Whole Life
This allows the policyholder to determine how much they wish to pay in premiums. In addition, Variable premium UL offers two different death benefit options: 1. Universal A- Level death benefit 2. Universal B- Increasing death benefit.
Funeral Expense Insurance
This type of whole life policy is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Quite often this type of policy is meant for individual’s ages 50-80 years old and can be issued on a guaranteed basis.
Want to find out more? Simply click the button below. Just a few quick questions and we’ll take care of the rest. We’ll do the research to find the right life insurance plan options for you. Only one agent will contact you to talk about your specific situation – promise.
With Healthcare Reform and the industry’s ever-changing landscape, Healthcare Solutions Team still has options to choose from. Whether you are looking for better coverage, recently uninsured or it’s your first time purchasing health insurance, we will help you find a high quality, affordable plan. Depending on your budget and your need, we will custom design a plan for you. Whichever fits you best, Major Medical-ACA Compliant, Short Term, Fixed Benefit and Guaranteed Issue plans are all available to you.
Even if your employer offers you coverage, an individual plan could still be the best option for you. Additionally, dependent coverage through your employer may not always be the most affordable option either.
Customizing your coverage is essential as health insurance is not a “one size fits all” type of product. Therefore, a HST agent will assist you in determining what will work best for your situation. With all the different deductibles options and product designs, choosing the right plan could be difficult and our mission is to simplify this process.
We did the homework for you as we understand just how frustrating the search for affordable dental insurance can be. So we scoured the market to find the very best dental insurance plans available in the nation. All to get you the best dental coverage possible, at the lowest possible price.
We offer traditional PPO Dental plans with co-pays and coinsurance as well as Fixed Indemnity plans with no restrictions on providers, no co-pays and no deductibles. In a simple transaction, the dental insurance you receive is guaranteed issue. Better yet? There’s no waiting period for basic and preventative services in any of our service plans. That’s right: By next week, you can be on your way to having a squeaky clean smile.
You have your choice from thousands and thousands of dentists nationwide with our PPO Dental. Or use literally any dentist, anywhere in the United States, even if they don’t accept insurance and get a cash reimbursement with our Indemnity Dental plans. Only one agent will contact you to talk about your specific situation – promise.
Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. It includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved. There are a variety of financial instruments used to achieve an individual’s income needs such as fixed and equity indexed annuities.