Life Insurance -Protecting Your Family

Home

LIFE INSURANCE

The idea is simple. Life insurance protects and provides financial relief for those who are important to you.

GET MORE INFORMATION

Home

LIFE INSURANCE

The idea is simple. Life insurance protects and provides financial relief for those who are important to you.

GET MORE INFORMATION

Compare and choose the right type of LIFE insurance for you.

TERM

Simple and affordable coverage that lasts for a specified amount of time.

See more information about Term Insurance.jhmagency20202020-11-11T20:47:35+00:00

See more information about Term Insurance.

Term life is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Generally great for young families with children and usually is the least costly type of coverage.

Term insurance guarantees payment of a stated death benefit to the insured’s beneficiaries if the insured person dies during a specified term.
These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole insurance product.
Term life premiums are based on a person’s age, health, and life expectancy.

UNIVERSAL

Permanent coverage providing flexibility with more moving parts.

See the advantages of Universal Insurance.jhmagency20202020-11-11T20:49:11+00:00

See the advantages of Universal Insurance.

Universal life is permanent life insurance with an investment savings element and low premiums that are similar to those of term insurance. Universal carries a guaranteed death benefit, lifetime coverage, access to cash value, and living benefits.

Universal is a form of permanent life insurance with an investment savings element plus low premiums.
The price tag on universal insurance is the minimum amount of a premium payment required to keep the policy.
Beneficiaries only receive the death benefit.
Unlike term insurance, this type of policy can accumulate cash value.

FREE ACCIDENTAL & DISMEMBERMENT

Pays benefits in the case of a person’s accidental death or dismemberment, which is the loss, or loss of use, of body parts or functions..

See how you can get No Cost $5000 AD & D.jhmagency20202020-11-03T19:56:02+00:00

See how you can get No Cost $5000 AD & D.

The rider covers the unintentional death or dismemberment of the insured. Dismemberment includes the loss—or the loss of use—of body parts or functions (e.g., limbs, speech, eyesight, and hearing).

Because AD&D insurance is limited and generally covers unlikely events, it is supplemental life insurance and not an acceptable substitute for term life insurance.

Accidental death and dismemberment (AD&D) insurance usually take the form of a rider to a life insurance policy.
AD&D insurance pays benefits in the case of a person’s accidental death or dismemberment, which is the loss—or loss of use—of body parts or functions.
AD&D insurance usually comes with significant coverage limitations.

Contact me to obtain your No Cost $5000 AD & D insurance.

Important information that could help you choose the right insurance plan.

FREE Insurance Analysis

With a few quick questions, I evaluate your personal situation and provide a complete beneficial insurance analysis that meets not only your specific needs but also your budgetary requirements.

Contact me for a Complimentary Analysis.

SAVE more with Bundle Packages

Insurance companies offer lower premiums if you choose more than one insurance plan.

As an incentive, they provide discounts that could save you money.

Social Security Blackout Period

The blackout period is the time when a surviving spouse is ineligible for survivors’ benefits from Social Security. If you haven’t already, consider covering this period with life insurance.

The payout could be as little as $255 death benefit!

Life insurance can help cover your financial obligations during this time.

It is always good to be prepared.

Let’s get started protecting your family’s future.

GET A QUOTE

Let’s get started protecting your family’s future.

GET A QUOTE