Final Expense

  A final expense policy is a type of life insurance specifically designed to cover funeral and immediate burial costs upon death, often referred to as "burial insurance" or "funeral insurance," providing a relatively small death benefit to help pay for expenses like embalming, casket, and funeral services

Mortgage Protection

  A mortgage protection policy is a type of life insurance designed to pay off the remaining balance of your mortgage if you die during the policy term, essentially ensuring your family doesn't inherit a debt on your home; it functions by providing a death benefit that is paid directly to your lender to cover the mortgage balance upon your passing

Term Life     

   Term life insurance is a type of life insurance that provides coverage for an individual over a specified time frame. Unlike permanent life insurance, which covers the insured for their entire lifetime, term life insurance policies last for a predetermined duration, such as 10, 20, or 30 years. If the insured person passes away during the term, the policy pays a death benefit to the designated beneficiaries. Once the term expires, the coverage ends unless the policyholder decides to renew the policy.T

Whole Life

    Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured, as long as the premiums are paid. Because of the policy’s longevity, it is designed to provide a guaranteed death benefit to the beneficiaries upon the death of the insured. Whole life insurance is also one of the types of permanent life insurance that can offer cash accumulation on the side. With lifetime coverage and consistent premiums, this type of life insurance is very predictable for the policyholder.

Accident Death and Dismemberment Insurance

    Accidental Death and Dismemberment (AD&D) Insurance is a type of insurance that provides coverage in the event of an accidental death or a serious injury resulting in specific types of dismemberment. In other words, if the insured person dies due to a covered accident or suffers severe injuries resulting in the loss of a limb, fingers, toes, or eyesight, the policy pays a benefit to the designated beneficiaries. The amount of the benefit varies depending on the specific loss, and policies often have a reference outlining the payouts for different types of dismemberment.

Dental Insurance

     A dental policy is a type of insurance contract that helps cover the cost of dental treatments, typically including routine preventive care like cleanings and exams, as well as some basic restorative procedures like fillings, with varying levels of coverage depending on the plan, where you pay a portion of the cost while the insurance company covers the rest;most people access dental insurance through their employer but can also purchase individual plans.

Health Insurance (OR,TX, OK)

     A health insurance policy is a contract between an individual and an insurance company where the individual pays a monthly premium in exchange for the company covering a portion or all of their medical expenses, like doctor visits, hospital stays, and prescriptions, when needed; essentially providing financial protection against significant healthcare costs

 

Insurance shouldn't be frustrating. If you have questions about any of these great products, please feel free to contact me. Thank you everyone.