Find The Right Life Insurance
We specialize in helping EVERYONE get life insurance. We have an extensive portfolio of products.
Affordable Life Insurance
- Burial Insurance
- Final Expense
- Mortgage Protection
There are many kinds of life insurance, but they generally fall into two categories: Term Insurance and Permanent (“Whole Life”) Insurance. Learn about each category below.
Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent (“Whole Life”) Insurance provides lifelong protection. As long as you pay the premiums, the full face amount will be paid. Because it is designed to last a lifetime, Whole Life, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
Frequently Asked Questions
- ObamaCare is called the Affordable Care Act.
- ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.
HMO VS PPO
|¨ Cheaper||¨ More Expensive|
|¨ Requires a referral||¨ No referral needed.|
|¨ MUST go to doctors and hospitals in the network.||¨ Can go to any doctor or hospital.|
Contact the Member Services or call our office. The number is on the back of your health insurance card.
Premium is the amount you pay EVERY month to keep your insurance.
A Co-payment is the amount you pay for covered services at the time you receive care.
Co-insurance is a percentage (%) you pay for a covered service.
Answer goes here.
Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.
A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.