Life Insurance

Term Life Insurance

Term Life Insurance

Term Life Insurance is the most affordable type of life insurance. You can get a lot of coverage at a low rate.

Term Life Insurance is designed for younger folks. For example, a younger couple in their 20s or 30s would take advantage of a term policy to make sure that, in case of unexpected death, their spouse and children could remain in the home, and the children would still be able to afford college.

Just like the name sounds, Term Life Policies terminates after a period of time.

Usually it is a period or 10, 15, 20, or even 30 years. If you had a 30-year $200,000 mortgage, for example, you might purchase a 30-year term policy to cover your mortgage.

In this way, you insure that your family can maintain their lifestyle should you die young.

Upon death, the policy would pay directly to your beneficiary. Your beneficiary would have complete control over how the money is used.

Again, term insurance is the most cost-effective way to obtain a substantial death benefit. In other words, it is affordable.

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Whole Life, Guaranteed Issue, or Final Expense Life Insurance

Whole Life, Guaranteed Issue, or Final Expense Life Insurance is designed specifically for folks who have gotten older, wiser, and no longer have a large mortgage or big debts. It's for people who don't need a large payout and want insurance with no rate increases, never cancels, and builds cash value.

This type of insurance is specifically designed for people whose children are out of the house, out of college, and even raising families of their own. It is insurance for folks who may have minor aches and pains or even major medical stuff going on. On the other hand, they may be in perfect health; just getting on in years.

With Whole Life Insurance it is not a matter of insurance payout, it is a matter of when the insurance will pay. After all, that day does eventually come for all of us.

If that sounds like you, and your main concern is having enough money to pay for your final expenses and maybe leave a little for your children, grandchildren, church, or charity when your time comes, Whole Life, Final Expense or Guaranteed Issue may be the best solution.

Whole Life, Final Expense or Guaranteed Issue allows you to add a few thousand dollars up to $25,000 or even $30,000 to your estate instantly. If you are not currently hospitalized, you can be insured as soon as today.

This insurance lasts your entire life with no rate increases. You can budget it out and never worry about it go up. When your time comes, your loved ones will be able to focus on your memory instead of how to pay for your funeral.

Many policies even build a cash value.

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Whole Life, Guaranteed Issue, or Final Expense Life Insurance


Accident / AD&D

Accident / AD&D

In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount regardless of any other insurance held by same insurer, held by the client.

This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan.

Some covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents and drowning.

Accidental deaths are the fifth leading cause of death in the U.S.

Fractional amounts of the policy can be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis.

The types of injuries covered, and the amount paid vary by insurer and package and are explicitly enumerated in the insurance policy.

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Children's Whole Life

Give your Children and Grandchildren a Meaningful Gift that Lasts a Lifetime with a Children's Whole Life Plan

  • Child-size premiums–that never increase
  • Coverage doubles automatically during age 18
  • Guaranteed future insurability for your child
  • Coverage available up to $50,000 for children 14 days to 14 years old An affordable way to help secure your child's financial future Life insurance coverage that protects and builds cash value!

Coverage up to $50,000 with child-size premium rates As a caring parent or grandparent, you want to give the children in your life every advantage possible.

The children's Whole Life Plan is a simple and budget-minded way to get them started on the right path.

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Children's Whole Life

Health Insurance

Dental / Vision Plans

Dental / Vision Plans

Vision - An annual eye exam is about much more than healthy vision. It can help identify the early signs of serious health conditions like diabetes and high blood pressure. We offer a vision plan that complements your health insurance plan. Our vision plan delivers savings on both eye examinations and eye wear.

Dental - The dental plan provides a range of covered services that are designed to fit you and your family's specific needs and budget. Each plan complements your health insurance coverage and provides benefits for a range of preventative, diagnostic and restorative services.

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Senior Products

Most Medicare plans pay your doctors or hospitals while our supplemental health insurance plans pay you the insured.

Things like illness, accidental injuries and hospitalizations can create unexpected expenses that Medicare may not fully cover. You can use these policy benefits for in-home care, eyeglasses, or mortgage payments etc.

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Senior Products


Hospital Confinement

Hospital Confinement

Your medical insurance may not be enough to cover your mecifal expenses in case you are hospitalized.

For an injury or sickness, HospitaWise provides an extra layer of financial protection for unexpected out of pocket costs. Cash benefits are paid directly to you.

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Living Benefits

Critical Illness Insurance

Critical Illness Insurance

Otherwise known as critical illness typically covers heart attack, cancer, stroke or a dreaded disease. It is an insurance product in which the insurer is contracted to typically make a lump sum cash payment to the insured if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Fractional amounts of the policy can be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis. The types of injuries covered, and the amount paid vary by insurer and package and are explicitly enumerated in the insurance policy.

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Disability Insurance, Disability Insurance Program, Income Protection, or Paycheck Protection

If you find yourself unable to work due to a serious accident or illness, your disability insurance would allow you to continue on with a regular paycheck. In other words, if you are hurt or sick and unable to work, and your paycheck stops coming in, Income Protection replaces a large portion of your income.

Ask yourself this: What would happen with my family if I no longer had my paycheck rolling in? Would it be devastating?

By far you have a bigger chance of becoming disabled before you turn 65 that you have of actually dying. Disability insurance may be more important to put into place than life insurance.

Income Protection insurance is affordable and easy to understand and you can apply at InsureMeDirectly.com or you are always welcome to set-up an appointment with me and we can work on it together.

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Disability Insurance


LegacyArmour

LegacyArmour

Think of an online version of a safe deposit box. LegacyArmour security services help you prepare your estate, encrypt the information you want protected, and store it safely in secure digital vaults until it is time to deliver it automatically to your beneficiaries.

Included in the LegacyArmour platform are tools to help you organize your assets and a powerful Artificial Intelligence engine that will identify when it is time to deliver your information.

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ReliaShield

ReliaShield - is the smart and affordable solution to identity theft protection for several reasons:

First, ReliaShield offers 3 choices of sophisticated protection to meet everyone's needs.

Second, our plans cost considerably less than most of our competitors' comparable plans.

Third, we cover children for free when you subscribe to our family plan. In comparison, our main competitor charges $5.99 per covered child.

Fourth, we have a 100% recovery success rate. Every one of our customers who has been a victim of ID theft has had their identity and credit history fully restored.

Last, but not least, we provide our customers with excellent customer service. Our company, including our customer service team, is all US-based. Additionally, we are unique in that we are an employee-owned company, and we take pride in how we care for our customers.

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ReliaShield


Guaranteed Scholarships

Guaranteed Scholarships

Up to one full year's tuition – at more than 400 participating private colleges and universities through the SAGE Scholars Tuition Rewards® Program.

Each Tuition Reward point you accumulate is equal to a $1.00 guaranteed discount off tuition at any of our member colleges. The maximum scholarship varies by college, but currently it is over $50,000 at some institutions! Enroll all the children or grandchildren in your immediate and extended family and begin earning your Tuition Rewards.

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