Most people think life insurance is complicated. Not really, it's rather simple. There are many types of life insurance but only two kinds:
TERM and PERMANENT
Term Life Insurance is very affordable for most people and is simply a promise from an insurance company to provide you a guaranteed level premium for a specified number of years. All you're buying is a fixed, level premium with a fixed face amount (death benefit) for a specific time frame, usually 10, 15, 20, or even 30 years. The great thing about term insurance is that the insurance company is committed to you for the terms of the policy, however, you are not obligated to continue to pay premiums for the entire time. You can walk away anytime! Our objective is to help you get the most affordable and appropriate amount of term life insurance for you and your family.
Permanent Insurance is a way for you to prepay the costs of insurance in the early years instead of having rate increases that eventually occur with term insurance if you continue the policy after the guarantee period.
As a 25 year independent licensed life insurance agent my experience can help you customize the right policy for you. There are hundreds of highly rated insurance companies. We have the ability to "shop" your application to make sure you get the best final rate, not just a
"pie in the sky" quote from another agent or some other online service. If you think you can't get insurance because of health issues, don't give up, give us a call to discuss.
We also have a link to an online calculator that will help you determine the amount of life insurance that you might need.
http://www.lifehappens.org/life-insurance/life-calculator
Please take two minutes to watch the video below about how life insurance really makes a difference in peoples lives.
http://www.lifehappens.org/legacy
Have Questions? Call 501-353-1888
Just click on "Request A Quote" at the top of the page and send us a little information about you for us to start working on your quote!
Just remember, whether you're young or old, healthy or not, there's a good chance a life insurance company will consider offering you coverage.*
*No guarantee of coverage or final rates from an insurance company until all the exam requirements have been reviewed by the underwriter and a policy is offered and accepted by the insured. Not licensed in all states.