Term Life Insurance | Return-Of-Premium Term
Indexed Universal Life Insurance | Non-Medical Exam Life Insurance
Term Life Insurance
Term Life Insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
Cost effective option for young growing families or individuals looking for more affordable coverage.
There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
We offer the most inexpensive term insurance on the market.
We also offers a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
Premium returns can start as early as the second year.
Protection in place if needed and return of premium investments if not.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes" (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains.
Indexed accounts protect the insured from market decline with a guaranteed floor.
Policy illustrations provide the policy owner with historical data to assist with making informed decisions on which markets to invest in.
Cash value can grow tax-deferred.
Can be structured to include living benefits, allowing the policy owner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs.
Douglas (Doug) R. Andrews | Indexed Universal Life (IUL) Policy Breakdown
Live Zoom Training our Founder & CEO Eugene Oliva attended on
Saturday February 20, 2021 via PHP Agency, Inc
Non-Medical Exam Life Insurance
Non-Medical Exam Life Insurance is an affordable life insurance that is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.
Up to $250k death benefit.
No medical exam or blood work is required.