Insurance plan which offers flexible premiums and builds up cash value for the insured with the gain of interest overtime. This plan is more flexible than whole Life Insurance.
• Guaranteed Universal Life
Guaranteed Universal Life is also known as “GUL Policy” and offers both guaranteed death benefit and level premium to the insured for a certain period of time.
• Indexed Universal Life
Abbreviated as IUL, is a cash value life insurance policy that provides an interest rate credited to your cash value that is based on stock market index. The components of this plan can be altered throughout the contract.
• Graded Benefit Whole Life
Generally for the people who are 50 or older and have less than perfect health conditions and they would have a difficult time getting regular life insurance policy. This policy starts out paying a partial death benefit during the first few years and each year the death benefit raises a little higher until it pays the full benefit of the policy as long as the premiums are being paid. The most useful feature of this policy is that it doesn’t require any medical examination.
Mortgage protection life insurance protects insured’s family from repayment of mortgage. If you die there is money to pay off the mortgage and your family gets to keep the home.
Dental Indemnity plans provides cost effective dental coverage when you see a network dentist and covers the major portion of the expenses.
In Premium Financing, the individual borrows loan from 3rd party to pay the premiums of insurance plan. The borrower also pays interest charges in addition to loan installments to Premium Finance Lender until the maturity of the policy or the death of the insured.
Identity Protection Insurance Plan is the perfect coverage for the protection of your personal information and identity.
This insurance coverage covers expenses and taxes related to estate after the death of the insured.
Long-Term Care Insurance is an insurance plan in which the expenses of nursing home, insured’s home care or any day care facility is covered if the patient is unable to do some of the 6 everyday activities.