Affordable insurance that provides financial security for your home and family should tragedy strike.
Peace of Mind May Cost a Lot Less Than You Think
Safeguard your family’s future with the right life insurance policy.
Don’t leave your loved ones' future to chance. Having the right life insurance is important in planning for the future for you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.
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Life Changes & Your Policy Should Too!
The right life insurance policy is unique to you and depends on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.
Not sure what life transformations may require a policy tune-up? Take a look below:
You recently got married or divorced
You became a parent or grandparent
You started or expanded a business
Your health or spouse’s health has deteriorated
You need living benefits
A dependent requires assistance/long-term care
You recently purchased a new home
You're providing financial assistance to a parent
You are concerned about retirement income
You recently refinanced your home mortgage
You or your spouse recently received an inheritance
You have a sizable estate
If any of the above applies to you, or you are simply curious about more affordable policies in your area, request a FREE quote today!
Don't take my word for it. Here are what some of our current client's say about working with us.
I feel the whole process was easy. Anything I didn’t understand an agent helped out really quick. I ‘m always getting info and ways to improve the understanding of my policy
Elny made it quick and easy to sign up in minutes. Necessary life decisions and things off the to do list made easy and smooth with easy transaction online. Thank you!
I was doubtful this would be "easy and fast". I have heard that before. I went from start (initial review of coverages) to finish (policy paid for and covered) in less than 30 minutes. No joke. I could not be happier.
As a homeowner, you want to protect your home with affordable, comprehensive coverage.
Mortgage protection insurance is a type of term life insurance that is designed to pay off your mortgage in the event of your death. It functions like a standard term life policy: You purchase a policy for a set period, make monthly payments, and if you pass away while the policy is in force, your chosen beneficiary receives funds to pay off your mortgage. This coverage ensures that your family could stay in their home if you were no longer able to contribute to mortgage payments.
Mortgage protection insurance is right for you if you want to:
Protect your most valuable asset
Ensure your loved ones never have to deal with the fear of losing their home
Provide financial security if the unthinkable happens.
Why Do I Need Mortgage Protection Insurance?
As a homeowner, being able to pay your mortgage on time every month is important.
What would happen to your loved ones if you were to die prematurely, become disabled or critically ill, and your income suddenly disappeared? None of us know what the future will bring, but you can achieve peace of mind today with mortgage protection insurance.
Advantages of Mortgage Protection Insurance
Provides a death benefit to pay off your mortgage in the event of your death.
Pays your mortgage payments if you become disabled
Protects your mortgage payments in the event of critical illness
Provides benefits from a life insurance policy with generally affordable premiums
Achieves peace of mind for your home and family
How Mortgage Protection Works
Mortgage protection insurance functions much like other life insurance policies:
You pay premiums to the insurance company to purchase a specific amount of mortgage protection coverage. Those premiums are based on your attained age and your health, as well as the value of your home and the payoff amount. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.
Our Life Insurance Programs
We offer three of the most common types of life insurance. These products can be selected based on the one that best fits the reason you want life insurance and is most useful for the specific needs of your family.
Term Coverage
✓ Lasts for 10, 15, 20 or 30 years.
✓ Premium payment is flat.
✓ Coverage up to $1MM.
✓Ideal for: young families who want to cover needs with a specific time horizon such as home mortgage and kids’ college.
Whole Life
✓ Lasts until end of life.
✓Premium payment is flat.
✓ Coverage up to $1MM.
✓Ideal for: families seeking life insurance plus a way to have access to funds because Whole Life accrues cash value each year.
Final Expense
✓ Lasts until end of life.
✓ Premium payment is flat.
✓ Coverage up to $30,000.
✓Ideal for: seniors who want to ensure their funeral is paid for or want to leave a little something for their kids or grandkids.
