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Numerous Policy Riders Life Insurance


Numerous policy riders are available for an additional cost on all of our permanent life insurance policies. A lifetime of guaranteed monthly income for your beneficiaries and the ability to waive premiums if you are unable to work or disabled.


A health insurance policy is: a contract between an insurance providers. The contract can be renewable or lifelong in the case of private insurance, or be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national health policy for public insurance. A health insurance policy can also be given by an employer-sponsored self-funded ERISA plan. The company generally promotes that they have one of the best insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore ERISA plans are not subject to state laws. ERISA plans are ruled by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An application must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary’s decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.

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Life insurance may be divided into two basic classes: temporary and permanent; or the following subclasses: term, universal, whole life and endowment life insurance.

Permanent life insurance is life insurance that remains active until the policy matures, unless the owner fails to pay the premium when due. The policy cannot be cancelled by the insurer for any reason except fraudulent application, and any such cancellation . A permanent insurance policy accumulates a cash value, reducing the risk to which the insurance company is exposed, and thus the insurance expense over time.

Whole life insurance provides lifetime death benefit coverage for a level premium in most cases. Premiums are much higher than term insurance at younger ages, but as term insurance premiums rise with age at each renewal, the cumulative value of all premiums paid across a lifetime are roughly equal if policies are maintained until average life expectancy.

Endowments are policies in which the cumulative cash value of the policy equals the death benefit at a certain age. The age at which this condition is reached is known as the endowment age.

Universal life insurance (UL) is a relatively new insurance , intended to combine permanent insurance coverage with greater flexibility in premium payment, along with the potential for greater growth of cash values.

Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund.


Another type of permanent insurance is Limited Pay Insurance, in which all the premiums are paid over a specified period after which no additional premiums are due to the policy in force. Common limited pay periods include 10-year, 20-year, and are paid out at the age of 65.

We will help you find the best policy for you and your family. Go to our policy page, fill out the form, submit it and we will help you decide which policy is best for you.

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Do you need Health Insurance?

  • When it comes to health insurance, you need it! Health insurance protects you from unexpected medical bills and will also cover annual checkups and preventive procedures. When it comes to health insurance, the annual cost, some people feel is not worth the annual cost, but a simple surgical procedure may cost thousands of dollars. With bankruptcy, medical debt is one of the leading causes of it. You can get health insurance from either independently or through your job. A high-deductible insurance plan can be inexpensive, and will include big coverage in case you had an accident or a serious illness.

Do you need Life Insurance?

  • Life insurance is needed. Life insurance pays money to a beneficiary on the death of the policyholder. Why do you need it? Individuals with families should purchase life insurance to provide for their children if they were to die. You should have about 10 times your annual income in life insurance. It’s good because this money can be used to pay off debts, provide daily living expenses and pay for college tuition.

There are different types of life insurance, but term and whole life are the basic types of policy. Term insurance has a cheaper premium and will last for a short period of time. Whole life insurance has higher cost of premiums and lasts your entire life. A whole life policy can be cashed out, and you can take the investments out to pay for other expenses. However, the rate of return on the investment portion of the policy is very low.