You may be eligible for Life Insurance With No Medical Exams
Find out if you quality by taking our 30-second survey!
How To Use An IUL For Tax Free Income, Loans, and Retirement Planning; Watch Below
What is Cash Value?
Cash value in a life insurance policy is like a savings account that grows over time as you pay premiums. This money can be used for different things while the policy is active. For example, you could use it to help with expenses like retirement, education, emergencies, or even take out a loan if needed. It gives you a way to save and plan for the future while still having protection in place for your loved ones.
"I thought that what I had though my job would be enough to take care of my wife and our youngest son. After sitting down and reviewing the gap in coverage we actually had, we saw that there was not near enough to ensure she would be able to keep our house if I died or couldn't work due to being sick. We found a policy that fits into our budget and takes care of them if something happens to me"
-James Shelters | Oklahoma
Who needs life insurance?
If you were to die, would you leave behind debt, or would your loved ones face a financial hardship? If the answer is yes, you need life insurance.
If you are married, have dependents, own a small business, or you would leave behind a sizable personal estate, you need life insurance. If you are single, you do not have any dependents, or you would not leave behind debts related to business, personal or medical expenses, you probably don’t need life insurance right now.
What is included in a universal life insurance policy?
Permanent Coverage
As long as premiums are paid on time, you have coverage for the rest of your lifetime.
Tax Advantages
Income tax-free death benefit, potential for tax-deferred** cash value accumulation & income tax-free policy loans/ withdrawals.
Accelerated Death Benefits
Early access to a portion of your death benefit in the event of a terminal or chronic illness.
Flexible Premiums and Benefits
Unique option to change the premium payment amount, payment frequency and death benefit amount.
Take The Survey To See If You Qualify
(Only takes 30 seconds!)
Other Benefits of Life Insurance
Flexibility: You can choose the length of your coverage and the amount of your monthly premium.
Quick Payouts: Unlike old traditional life insurance policies, newer policies typically pay out quickly, often within a few weeks of a claim being filed.
No Medical Exam Required: Some mortgage protection policies don't require a medical exam, making it easier for those with health issues to obtain coverage.
What's the difference between universal life and whole life?
Whole life and universal life are both forms of permanent life insurance, so they are similar in many respects. They both offer a death benefit that lasts throughout your lifetime as well as cash value. However, whole life has a fixed coverage amount and a fixed premium payment that will never increase. Universal life has both more flexibility and more risk.
What's the difference between universal life and term life?
Term life and universal life are substantially different products. Universal life has a variable premium and death benefit amount, whereas term is fixed; universal life is a permanent life insurance product that accumulates cash value, whereas term life only lasts for a certain period of time and only includes a death benefit. In essence, while term life is focused on simple, temporary protection, universal life is intended to provide a lifetime of flexible protection with some investment potential.
What are the steps to own a universal life policy?
On average, we complete this process in less than one month. You simply need to contact an agent to help you complete your application for review. If a medical examination or more questions are required, we will contact you within a week. When all requirements are in, we evaluate your application; if approved, your insurance policy is then issued and delivered to you.
How can an agent help me?
Because universal life is such a personalized product that needs to be tailored to your individual needs, we require that you work with an agent instead of offering an online universal life insurance quote. Your agent will ask you questions about your family, life situation, and financial needs to help you develop your goals, then clarify your options and help you choose the right policy to achieve your goals. Your agent will also answer your questions and help you implement your life insurance plan.
Skip The Survey. Apply On Your Own
(Only takes 10 minutes!)
Take The Survey To See If You Qualify
(Only takes 30 seconds!)