(660) 351 - 3736

Harrisonville, Missouri

(660) 351 - 3736

Harrisonville, Missouri

Life Insurance

Life insurance is a financial contract that provides a death benefit to beneficiaries in exchange for premium payments, offering security and support after the insured's death.

Why Life Insurance Is Important:

Tax - free death benefit

Some plans allow you to use the death benefit before death

Lessens the financial burden for the loved ones left behind

Life Insurance

Life insurance is a financial contract that provides a death benefit to beneficiaries in exchange for premium payments, offering security and support after the insured's death.

Why Life Insurance Is Important:

Tax - free death benefit

Some plans allow you to use the death benefit before death

Lessens the financial burden for the loved ones left behind

Different Types of Life Insurance

Accidental

Mortgage Protection

Stand alone plan or add on rider for other plans
Lowest fees of all insurance plans
Accidents are the 4th leading cause of death in the USA
Guaranteed Issue, no health questions asked

Term life

Mortgage Protection

Targeted towards young & healthy individuals
Has a start & end date
Usually tied to a mortgage on a home
Highest benefits with lowest cost

whole life

End of Life Protection

Targeted towards slightly unhealthy individuals
Will stay in effect until the day you die
Some plans offer Guaranteed Issue, no health questions asked
Some plans have cash accumulation

universal life

Death & Living Benefits

Gives combination of life insurance & future savings
One of the few products out there that offers tax-free income
You can use before the age of 59½

Different Types of Life Insurance

Accidental

Mortgage Protection

Stand alone plan or add on rider for other plans
Lowest fees of all insurance plans
Accidents are the 4th leading cause of death in the USA
Guaranteed Issue, no health questions asked

Term life

Mortgage Protection

Targeted towards young & healthy individuals
Has a start & end date
Usually tied to a mortgage on a home
Highest benefits with lowest cost

whole life

End of Life Protection

Targeted towards slightly unhealthy individuals
Will stay in effect until the day you die
Some plans offer Guaranteed Issue, no health questions asked
Some plans have cash accumulation

universal life

Death & Living Benefits

Gives combination of life insurance & future savings
One of the few products out there that offers tax-free income
You can use before the age of 59½

Frequently Asked Questions

How much does life insurance cost?

The cost of your insurance is determined by your health assessment and age.

Can I get life insurance if I have health issues?

Yes! We have over 60 different carriers that offer many different products. We can help you find a product that fits your needs and current health situation. If we can't help find you insurance, you can't be covered 😉

What are the benefits of life insurance?

Generally, there are 5 reasons why people get life insurance:

1. Help with funeral costs

2. Replace lost income for a spouse

3. Reduce or payoff a mortgage

4. Leave a blessing for the loved ones left behind

5. Tax-free death benefit

Do all life insurance types last until I die?

No. Different life insurance policies have different start and end dates.

• Term Life policies are temporary and has a specific start and end date.

• Whole Life and Universal Life policies last until you die.

• Accidental Life insurance policies, you must die by an accident (not just a car accident).

Frequently Asked Questions

How much does life insurance cost?

The cost of your insurance is determined by your health assessment and age.

Can I get life insurance if I have health issues?

Yes! We have over 60 different carriers that offer many different products. We can help you find a product that fits your needs and current health situation. If we can't help find you insurance, you can't be covered 😉

What are the benefits of life insurance?

Generally, there are 5 reasons why people get life insurance:

1. Help with funeral costs

2. Replace lost income for a spouse

3. Reduce or payoff a mortgage

4. Leave a blessing for the loved ones left behind

5. Tax-free death benefit

Do all life insurance types last until I die?

No. Different life insurance policies have different start and end dates.

• Term Life policies are temporary and has a specific start and end date.

• Whole Life and Universal Life policies last until you die.

• Accidental Life insurance policies, you must die by an accident (not just a car accident).

Some of Our Trusted Partners

Some of Our Trusted Partners

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