INSUREIT
INSUREIT
We work hard to do right by you.
As a company and as individuals, we strive to operate at the highest moral standards. In our business, we work hard to do right by the families that we serve with our products. We treat others how we want to be treated – with kindness and respect. We believe that no matter what you accomplish in business or life, what truly matters is how you treat people.
As a company and as individuals, we strive to operate at the highest moral standards. In our business, we work hard to do right by the families that we serve with our products. We treat others how we want to be treated – with kindness and respect. We believe that no matter what you accomplish in business or life, what truly matters is how you treat people.
What is final expense?
Final expense coverage is the last gift that you will be able to give your loved ones. This coverage helps your family cover your end-of-life costs.
This includes casket & funeral services, cemetery expenses, monuments or markers, vault fees, any medical bills you may leave behind, and more.
Do I need final expense coverage?
YES! Even if you already have traditional life insurance, at the time of your passing, your family will no longer receive your income or benefits. By having this additional coverage in place, your family won’t have to use your existing savings to afford your final expenses.
I’m afraid I won’t qualify.
As long as you’re between the ages of 0-85, we have the perfect plan for you. Even if your health is worsening or you’re getting a little older, we can help. There are no medical exams, and nobody needs to come to your house to do any bloodwork. Once you’ve locked in your plan, your rates will always remain the same, regardless of your age.
Understanding Life Insurance: Term vs. Whole Life
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. If the insured passes away during this term, the beneficiaries receive a death benefit. However, if the policy expires and is not renewed or converted, there is no payout.
Key Features:
✔ Fixed Coverage Period – Common terms: 10, 20, or 30 years
✔ Lower Premiums – More affordable than whole life insurance
✔ No Cash Value – Strictly protection with no savings component
✔ Simple & Straightforward – Ideal for temporary financial needs
✔ Convertible Options – Some policies allow conversion to permanent insurance
Who Should Consider Term Life?
🔹 Young families looking for affordable protection
🔹 Homeowners who want coverage until their mortgage is paid off
🔹 Business owners needing coverage for loans or key employees
🔹 Parents ensuring financial security for children until adulthood
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. If the insured passes away during this term, the beneficiaries receive a death benefit. However, if the policy expires and is not renewed or converted, there is no payout.
Key Features:
✔ Fixed Coverage Period – Common terms: 10, 20, or 30 years
✔ Lower Premiums – More affordable than whole life insurance
✔ No Cash Value – Strictly protection with no savings component
✔ Simple & Straightforward – Ideal for temporary financial needs
✔ Convertible Options – Some policies allow conversion to permanent insurance
Who Should Consider Term Life?
🔹 Young families looking for affordable protection
🔹 Homeowners who want coverage until their mortgage is paid off
🔹 Business owners needing coverage for loans or key employees
🔹 Parents ensuring financial security for children until adulthood
Whole Life Insurance
Whole life insurance provides lifetime coverage as long as premiums are paid. It includes a cash value component that grows over time and can be accessed through loans or withdrawals.
Key Features:
✔ Lifetime Coverage – Lasts your entire life
✔ Fixed Premiums – Payments remain the same over time
✔ Cash Value Growth – A savings component that grows tax-deferred
✔ Dividends (for some policies) – Some insurers pay dividends
✔ Loan Options – You can borrow against the cash value
Who Should Consider Whole Life?
🔹 Those who want lifelong coverage with a guaranteed payout
🔹 Individuals interested in estate planning or leaving a legacy
🔹 People looking for an insurance policy that builds savings
🔹 High-income earners who want tax-advantaged wealth accumulation
Whole life insurance provides lifetime coverage as long as premiums are paid. It includes a cash value component that grows over time and can be accessed through loans or withdrawals.
Key Features:
✔ Lifetime Coverage – Lasts your entire life
✔ Fixed Premiums – Payments remain the same over time
✔ Cash Value Growth – A savings component that grows tax-deferred
✔ Dividends (for some policies) – Some insurers pay dividends
✔ Loan Options – You can borrow against the cash value
Who Should Consider Whole Life?
🔹 Those who want lifelong coverage with a guaranteed payout
🔹 Individuals interested in estate planning or leaving a legacy
🔹 People looking for an insurance policy that builds savings
🔹 High-income earners who want tax-advantaged wealth accumulation