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Frequently Asked Questions

Life FAQ's

What is Term Insurance?

  • Term insurance is usually cheaper than most policies but only insures you in increments of 10,15,20,25 years. It builds NO CASH VALUE but you can get larger amounts of coverage for a cheaper price.  ALL LIFE POLICIES ARE BASED ON AGE AND HEALTH.

  • Term is good for short term financial protection for younger families for an affordable price.

What is Whole Life Insurance?

  • Whole Life coverage locks in a rate based on current age and health, your premium never changes and coverage always remains the same for the life of the policy.

  • Whole Life is permanent coverage, as long as premiums are paid.

  • Whole Life builds cash value

  • Whole Life is great for Funeral expenses

  • Some whole life policies are offered in a 10 or 20 year Paid Up

What is a Universal Policy?

  • A universal policy is a mixture between a term & whole life policy.

  • Universal policies are great policies AS long as you understand HOW they work.  

  • Reviewing these types of polices on an ANNUAL basis is highly recommended.

  • They build cash value


Do I qualify for mortgage protection insurance?

In most cases, yes! Mortgage protection insurance has a very high acceptance rate as most plans are offered with simplified underwriting (you won’t have to take a medical exam to qualify).

When should I buy mortgage protection insurance?

If you have a mortgage on your home, or if you are in the process of obtaining a mortgage, you should consider buying mortgage protection insurance.

Can I afford mortgage protection insurance?

Mortgage protection is one of the most inexpensive types of insurance, and it’s often a more affordable option than purchasing a separate whole life policy to pay off your mortgage in the event of your death.

Why Do I need Mortgage Protection?

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.


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