Providing Practical Insurance Services You Can Count On

We offer five of the most common types of life Insurance Policies. These Policies can be Selected based on the Specific need of your Family.

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Life Insurance Producer

Term Life Insurance

Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate.

Key Benefits:

  • Discover the ultimate protection! Outlast the ages, with options ranging from 10 to 30 years.

  • Lock in your premium payments, keeping them consistently affordable.

  • Unlock coverage up to a whopping $1M.

  • Tailor-made for young, growing families seeking to secure their future - perfect for safeguarding mortgage payments and your children's college dreams.

Children Playing

Permanent Life Insurance

Unlike term life insurance, which is designed to provide life insurance coverage for a specific period, permanent life insurance provides lifelong coverage. As long as you can cover the costs of your monthly premium payments, your permanent life policy will remain active your entire life.

Key Benefits:

  • Permanent insurance policies offer level premiums, ensuring consistent payment amounts for the insured individual throughout the policy's duration.

  • These policies can take various forms, including Whole Life, Universal Life, or Term 100 coverage, each providing lifelong protection.

  • Permanent policies accumulate cash value over time. Specifically, Participating Whole Life policies feature a guaranteed cash value and an additional non-guaranteed portion, often referred to as the dividend value.

  • There is an option for these policies to be fully paid within a limited number of years.

  • Permanent policies offer flexibility, such as allowing premium holidays. In situations where the insured is unable to pay their premium, the policy's accumulated cash value can be used to cover the premium costs temporarily.

Senior Couple Kissing

Final Expenses For Burial

Burial insurance—also referred to as senior life insurance and final expense insurance—is a whole life insurance policy intended to cover funeral costs and other modest expenses when you die. The death benefit is usually under $50,000, and you can typically get approved without a medical exam. Though some policies may require you to answer questions about your health, others don’t. Those are guaranteed-issue policies, which means that as long as you fit the age requirements, you’ll get coverage, regardless of any health issues.

Key Benefits:

  • Burial insurance, also known as senior life insurance or final expense insurance, is designed to cover funeral costs and other modest end-of-life expenses.

  • This type of insurance is a whole life policy, specifically intended to provide financial support for funeral expenses and related costs upon the insured's death.

  • Typically, the death benefit of burial insurance is less than $50,000, and approval often doesn't require a medical exam, making the application process more accessible.

  • While some policies might ask health-related questions, others do not. These are known as guaranteed-issue policies. As long as applicants meet the age criteria, they are eligible for coverage, irrespective of any existing health issues.

Funeral Fowers

Children Policies

Children’s life insurance is very much like life insurance policies bought for adults, but with a few key differences. While children’s term life policies are available, most juvenile life policies come in the form of permanent insurance like whole life. Whole-life policies accumulate a cash value that can be used to save for college or other goals. Also, children’s life insurance policies typically have a smaller face value than life insurance for adults, and coverage for children can sometimes be added in the form of a rider to a parent or guardian’s existing life insurance policy.

These policies can help cover medical and burial costs in the tragic event that a child passes away, but the odds of this are low for most children. For that reason, most parents or grandparents buy life insurance for babies, children, and even teenagers because these policies can lock in life coverage and secure lower premium rates while children are still young and healthy.

Key Benefits:

  • Child life insurance is a type of permanent life insurance that covers the life of a minor.

  • It's commonly purchased to safeguard a family from the unforeseen costs associated with a child's funeral or burial.

  • This insurance offers a cost-effective way to secure lifelong coverage for a child, with the advantage of locking in a fixed premium rate that will not increase over time.

  • Consider it as a valuable gift: a life insurance policy that not only accumulates cash value but also has the potential to double in value without any additional cost.

Man walking through field carring kids

Mortgage Protection Insurance (MPI)

MPI is a type of insurance policy that helps your family make your monthly mortgage payments if you – the policyholder and mortgage borrower – die before your mortgage is fully paid off. Some MPI policies will also offer coverage for a limited time if you lose your job or become disabled after an accident. Some companies call it mortgage life insurance because most policies only pay out when the policyholder dies.

Key Benefits:

  • This plan offers protection for you and your loved ones against the risk of losing your home due to death, disability, or illness.

  • It ensures that your mortgage is fully paid off in the unfortunate event of your death.

  • In case of disability, this plan provides a monthly income to support you.

  • It also offers financial assistance in the event of a heart attack, stroke, or cancer.

  • Additionally, if the beneBullet listfits of this plan are not utilized, you will receive a refund of all premiums paid at the end of your mortgage term.

Mortgage Protection (MPI)
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FAQS

What is the right amount of life insurance for me?

The right amount of life insurance varies from person to person and depends on your unique circumstances. Factors such as your age, income, financial goals, and family situation all play a role. Our experienced advisors will work closely with you to assess your needs and recommend a coverage amount that ensures your loved ones are financially secure in the event of the unexpected. It's important to regularly review and adjust your coverage as your life circumstances change.

How does the claims process work?

Our claims process is designed to be as straightforward and efficient as possible during what can be a challenging time. When a claim needs to be filed, simply contact our claims support team. They will guide you through the necessary steps. We aim to get your claims processed promptly with the carrier, ensuring that you receive the financial assistance you need during difficult times. Rest assured, we're here to support you every step of the way.

Can I make changes to my policy after it's issued?

Yes, you can typically make changes to your policy after it's issued, although the options available may vary depending on the type of policy you have. Common changes include updating beneficiaries, adjusting coverage amounts, or changing payment methods. It's important to keep your policy up to date to align with your changing circumstances. Our team is here to assist you with any policy changes or updates you may require. Feel free to reach out, and we'll ensure your policy continues to meet your needs.

Get In Touch

  • For Mailing Correspondence Only: 2002 Congressional Dr. Ste 27642, St. Louis, MO 63146

  • Fax: 866-234-4114

  • Mon – Sat 9:00am - 6:00pm

    Sunday - CLOSED

St. Louis, MO, USA

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