Life Plan Options include

Whole Life Final Expense Life Plans

• Immediate Benefits available (No Waiting Periods)
• Guaranteed Benefit amounts that will never decrease
• Guaranteed Level Premiums that will never increase regardless of Age or Health
• Approval done in the home with No Medical Exams
• $2,000 - $35,000 Benefits available with plans starting as low as $10 per month

Term Life Plans

• 10, 15, 20 and 30 year plans available
• Fully Underwritten and Non Medical Plans available
• $50,000 to $5,000,000+ available in Benefits
• Return of Premiums available with most plans
• Plans and terms to meet any budget

With our plans:

• Some benefits available regardless of current Health conditions
• You customize the plan to meet your needs and budget!
• All Carriers are Top-Rated (At Least A- “Excellent” By A.M. Best)

Field Underwriting

Our agents have been trained to field underwrite your application giving them the ability in most instances to work any acceptable pre-existing condition into your original application to get an accurate monthly cost. The insurance companies will always have final approval on any case

Each and every application is considered on its own merit based on medical and non-medical characteristics. By utilizing established industry underwriting guidelines, we can offer individuals, families and small business owner’s competitive premiums and customized coverage anywhere in United States.

We’ll need to discuss any current or previous health issues or treatment and prescription drug use in the past five years depending on the specific circumstances or underwriting requirements.