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Universal life insurance (UL) is a cash value policy mainly available in the U.S. It credits excess premium payments to the cash value, which earns monthly interest. Monthly deductions include a cost of insurance (COI) charge and any fees from the cash value, even without premium payments. The interest rate, typically a minimum of 2%, is set by the insurer.

Term life insurance offers fixed-rate coverage for a specified term. Once this period ends, the previous premium rates are no longer guaranteed. If the insured passes away during the term, the beneficiary receives a death benefit. It is often the most affordable option for a significant death benefit.

.Whole life insurance is a popular permanent policy that includes a savings feature known as "cash value." Get your quote today!

Families have various options to fund college, but unlike traditional savings accounts, an endowment life insurance policy guarantees a payout of $10,000 to $150,000. Once mature, this payout can cover college expenses or any other needs for your child's future, with no restrictions on usage.

Mortgage Protection Life Insurance is designed to pay off your mortgage if you die or become unable to work. We offer simplified coverage without a medical exam. Once issued, policyholders can access living benefits, allowing them to collect up to 90% of the face amount if they face critical, chronic, or terminal conditions.

Get a Personalized Quote to See What's Right for You. Coverage From $2000-$50,000. Compare Companies, Rates and Terms to Choose the Best Final Expense Insurance Plan.Let Us help you Plan for your Burial

UNIVERSAL LIFE

SIMPLE TERM

WHOLE LIFE PERMANENT

COLLEGE PLANNING

MORTGAGE PROTECTION

FINALE EXPENSE/BURIAL

LIFE INSURANCE

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