Life insurance helps give you peace of mind and can provide your family with financial stability and security when it matters most. Whether you want to leave behind your legacy, plan for the future of a small business, or lessen the burden your loved ones may experience if you ever need care for a chronic illness, The Insurance Solutions Experts offers Life insurance options that are flexible and affordable.

Life Insurance Coverage Options
Wherever your life turns, a dedicated agent at The Insurance Solution Experts will help make sure you have the coverage options you need. Your committed agent will provide term, universal, whole life, and single premium life insurance options depending on your needs.

• Do you work full-time, inside or outside the home?
• Are you a caregiver for your children and/or spouse?
• Do you own a home?
• Were you recently married, do you have children, or are you recently retired?

Answers to these questions will help determine which type of life insurance coverage is right for your personal situation.

What does Life Insurance help cover?

It’s a subject no one really wants to think about. But if someone depends on you financially, it’s one you cannot avoid. In the event of a tragedy, life insurance proceeds can:

• Pay for funeral costs
• Pay the bills and meet ongoing living expenses
• Pay off outstanding debt, including credit cards and the mortgage
• Continue a family business
• Finance future needs like your children’s education
• Protect a spouse’s retirement plans

A life insurance policy helps give you and your loved one’s protection from the unexpected. If something happens to you, your family will have the financial protection they will need down the road. Contact us today to get started on a customized life insurance policy. Please complete the form below to be on your way to affordable life insurance that best suits your individual needs.

Term Life Insurance
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit would be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance
Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured’s whole life and requires (in most cases) premiums to be paid every year into the policy.

Universal Life Insurance
A type of permanent life insurance. Under the terms of the policy, the excess premium payments above the current cost of insurance are credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond, or other interest rate index, the policy is an “Equity Indexed Universal Life” contract.

Final Expense Insurance
Final expense insurance is a whole-life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.

Most final expense plans have these features:

• Whole life insurance – no expiration if premiums are paid
• Cash value – insured may be able to take out a policy loan
• Fixed premiums as long as they’re paid
• Simplified issue – usually no medical exam (also called a life insurance exam) is required, just health questions on the application
• Easy application process
• Fast approvals – coverage can often be issued in days
• Affordable rates