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FAQs

What Is Term Life Insurance?

Term life insurance provides coverage for a set period—usually 10, 15, 20, or 30 years. If you pass away during that time, your beneficiaries receive the policy’s full death benefit.

Here’s why people choose term life:

• Affordable Premiums – Get high coverage amounts for lower monthly costs.

• Flexible Terms – Choose the length of coverage that fits your life stage.

• Peace of Mind – Know your family will be protected if the unexpected happens.

Most individuals between the ages of 18 and 75 can apply for term life insurance, depending on the coverage amount and term length.
You don’t need perfect health to qualify—many people are approved with just a few health questions or a quick medical exam if required.

Whole Life Insurance – Lifelong Protection with Guaranteed Benefits

Whole life insurance offers permanent coverage that lasts your entire lifetime—providing peace of mind and financial security for your loved ones, no matter when you pass away. It’s more than just insurance—it’s a long-term financial tool.

What Is Whole Life Insurance?

Whole life insurance is a type of permanent life insurance that guarantees a payout (called a death benefit) to your beneficiaries, as long as premiums are paid. It also builds cash value over time that you can borrow against or use during your lifetime.

How Does Final Expense Insurance Work?

Final expense insurance is a type of whole life insurance that provides a smaller, more manageable death benefit—typically between $5,000 and $50,000. Here's what makes it ideal:

No Medical Exams Required – Most plans require only a few health questions.

Guaranteed Premiums – Your rates never increase as you age.

Permanent Coverage – As long as premiums are paid, your policy never expires.

Fast Payouts – Funds are paid directly to your beneficiary to help them quickly handle final expenses.