Health is Life Insurance Solutions
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Financial Consulting Services
We collaborate with more than 30 trusted insurance providers, allowing you to compare plans and find the best financial plan that will work best for you and your family.
Our mission:
Our mission is to assist in securing the ideal financial plan for you. This is done through, educational strategies and a customize wealth plan. We service a wide range of "A" rated insurance companies, ensuring we remain impartial. Our primary aim is to help you find the best plan at the best price, tailored to your needs and preferences.
Affordability:
With a wide variety of carriers to choose from, we make sure you are getting coverage that is going to work for you.
Experience:
We have served thousands of individual's and families. No family left behind is how we are able to protect people from financial hardship by protecting your assets, build generational wealth, final expenses, mortgage protection, and more.
Custom Quoting:
Receive a genuine financial plan and quote(s) tailored to your needs. Sparing you from having to shop around, and receiving numerous calls.
Service:
You will be paired with a dedicated Licensed Specialist who is committed to securing your peace of mind.
Experience:
We specialize in comprehensive financial evaluation, Debt Solutions, Cash Flow Improvement Options, Retirement Solutions, Proper Protection on Assets & Income, and Legacy Planning.
Commitment to Your Needs
Our goal is to assist in finding the optimal insurance policy. With a wide selection of insurance companies to choose from, we maintain our independence to ensure you receive the best plan at the most competitive price with the provider that fits you best.
What's best for you, may not be best of me!
Your in control of your future.
What is Whole Life Final Expense Insurance?
Whole Life final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy designed to cover the costs associated with a person's funeral and other end-of-life expenses.
These policies offer permanent coverage as long as the premium is paid, accumulates cash value over the years, the payment never changes, and typically offer lower coverage amounts. Usually ranging from $5,000 to $25,000, and are intended to ensure that the insured's family is not burdened with the financial costs of a funeral, burial, or other related expenses.
What is Term Insurance?
Term life insurance typically last for 10-30 years from the time the policy is issued. In most cases the policy is convertible to a whole life policy is converted before the policy end date.
These policies offer coverage as long as the premium is paid, for a temporary number of years. Term policy range for $50,000 to $500,000 in coverage. Most clients choose term when they are just starting their career, college students, and to replace income for a car payments, mortgage loans, and credit cards.
What is Indexed Universal Life (IUL)?
Indexed Universal Life (IUL) is a type of permanent life insurance that provides a death benefit and a cash-value component. The cash value is placed in sub-accounts that mirror a stock index, such as the S7P 500.
When an IUL is structured and funded correctly it will offer life insurance protection, a variety of index options, policy features to help maximize accumulation potential, and makes it easy to access cash value.
What is Indexed Annuity?
Indexed Annuity, is a annuity. The rate of return is based on a stock market index, such S&P 500. It has a set limits on your gains and losses, which makes you less at risk then investing directly in the market.
Index annuities can provide you with a steady stream of income for your future and retirement, based on your commit to funding your annuity. You can do it with a lump sum or with steady payments over time
Simplified Underwriting:
These policies often have simplified underwriting processes, meaning that applicants may not need to undergo a medical exam. Instead, they may only need to answer a few health-related questions.
Affordable Premiums:
Premiums for final expense insurance are generally affordable and can be paid on a monthly, quarterly, or annual basis.
Fixed Premiums:
Premiums usually remain fixed for the life of the policy, ensuring that the cost does not increase over time.
How much does Burial Insurance generally cost?
The average monthly cost for a burial insurance policy ranges from $50 to $100 for around $10,000 in coverage. The final price depends on several factors, including your age, health, tobacco use, the type of policy, your state of residence, and the amount of coverage you purchase.
Whole Life Coverage:
Most final expense insurance policies are whole life policies, which means they do not expire as long as premiums are paid, and they may build cash value over time.
Immediate Payout:
The policy's death benefit is typically paid out quickly to the beneficiary upon the insured's death, helping to cover immediate expenses.
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