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Secure Your Family's Future with Life Insurance

Life is unpredictable, but your family’s security shouldn’t be. Invest in life insurance to provide a safety net for your loved ones, ensuring they can thrive even when you’re not there. Protect their dreams and give them a worry-free future by acting today.

Basics of

Life Insurance

Life insurance protects your loved ones in the event of an untimely passing. Instead of leaving your family with a mortgage, personal debt, funeral expenses, and other everyday costs, you provide them with a tax-free lump sum of cash called a death benefit. This ensures financial security and stability during a time of immense stress.

What's Included

What does life insurance cover?

Your family can use life insurance to cover anything they need—whether it’s ensuring
your children’s education or settling outstanding debts, your policy can be a lifeline in
times of need. Many families use it for the following:

Debt

Settle existing debts such as auto loans, personal loans, student loans, and credit card debt.

Income Replacement

 Ensure your family can maintain their lifestyle without your financial support.

Mortgage

Pay off or significantly reduce the mortgage to secure your family's home.

Education

 Fund your children's education, ensuring they have a bright future.

how it works

Steps to your ideal policy 

We’re here to simplify the process. We’ll help you understand
your needs, navigate through your options, and secure the
perfect policy that fits your lifestyle and budget.

Submit an
Application

Submit a life insurance application. This may include basic questions about your current personal and financial details. STEP 1

Complete a
Health Exam

Although this usually is not required, you may need to undergo an at-home physical exam to assess your health and determine your premium. This is of no cost to you, and can be scheduled at your convenience. STEP 2

Accept
Your Policy

Once completed, you may review your final policy details and choose to accept or decline your coverage. Should you accept, coverage is effectively immediately. STEP 3

Discover Your Ideal Policy

Which life insurance
policy is right for me?

Understanding your goals for life insurance—whether it’s income replacement or
lifelong security—is crucial for selecting the right policy. Explore the different types of
life insurance, to simplify your decision-making process.

Term Life Insurance

Provides coverage for a specified term, such as 10, 20, or 30 years. It’s a straightforward, affordable option with no cash value, ideal for those who need coverage for a set period.

Return of Premium (ROP)
Term Life Insurance

Similar to term life, but with a key difference—if you outlive the policy term, you’ll receive a refund of the premiums paid. It offers a way to get your money back if the coverage isn’t used.

Whole Life Insurance

Offers lifetime coverage with a fixed premium and includes a cash value component that grows at a guaranteed rate over time. It’s a reliable choice for those seeking both insurance protection and a savings element.

Universal Life Insurance

Provides flexible coverage that allows you to adjust your premiums and death benefits. The cash value accumulates based on market interest rates, offering the potential for higher growth compared to whole life but with more variability.

Secure Your Future

What factors shape my premium?

What you pay for life insurance is affected by a lot of factors. Some of those factors
are related to you, others are related to the world around you.

Age

Younger individuals typically receive lower rates as they are
considered lower risk.

Gender

Women generally have lower rates due to their longer life
expectancy compared to men.

Medical History

Pre-existing conditions or a history of serious illnesses can
increase rates.

Lifestyle Choices

Smoking, alcohol use, and risky activities can lead to higher
premiums.

Coverage Amount

Higher coverage amounts result in higher
premiums.

Policy Type

Different types of policies (term, whole, universal) have
varying cost structures.

Job Risk

Jobs that are considered hazardous can lead to higher
life insurance rates.

What’s not included

Potentially Important Exclusions to Note

Most people will tell you what’s covered, but it’s essential to know what’s
not covered. Here are some common exclusions:

 If you engage in high-risk activities like skydiving, scuba diving, or rock climbing, your policy may not cover you unless you purchase an additional rider.

Deaths that occur while you are committing illegal acts, such as drug trafficking or during a DUI, are typically not covered by life insurance policies.

Deaths resulting from acts of war or while serving in the military in a war zone are usually excluded from coverage.

If you die while piloting a private plane or participating in non-commercial aviation activities, your policy may not pay out the death benefit.

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Questions? We’re here to help! Contact us
anytime for assistance.