If you have no dependents or children whom you support financially, you might not need a life insurance policy at all.

Premium rates are typically based on factors such as age, gender, height, weight, health status, lifestyle and occupation.

Buying an insurance policy early in life is a good way to ensure a lower premium. Buying a term life or a combination of term and permanent insurance may help you pay a lower premium.

Full paid up means that you have paid enough premiums to cover the cost of the policy for the rest of your life, and the company will use the cash value to pay your premiums until you die.

Most policies have a 30-day grace period wherein you can pay the premium with no penalty or interest. If you have a term policy and do not make the payment within the grace period, the insurance company will usually terminate the policy. 

A beneficiary is an individual, entity, trustee, or estate named by the policy owner to collect the death benefit proceeds upon the death of the policy holder.

Life insurance death benefit is the amount of money the insurance company pays the designated beneficiaries upon the death of the policy holder, provided the policy was in force at the time of the incident. 

Yes you can, provided there is a financial need for it. You may want to supplement your current policy from work or add another term life insurance because you just had a new addition to the family.

Your designated beneficiary will have to file a claim with the carrier. He/she will also need to supply the death certificate along with the deceased’s policy number, social security number and address.

It depends, we need to know your age, gender, tobacco use, family medical history, lifestyle and current health condition. We also need to know requested face amount and policy type just as a starting point.

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Insurance industry at-a-glance

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Number of persons under age 65 uninsured.

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Percent of adults aged 18-64 with private insurance.

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Percent of adults aged 18-64 with public insurance.

Private Insurance is the way to go!


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Gather your Documents

If you are looking to get insurance, you will need to prepare and provide us the necessary documents.

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Once the requirements has been met, we’ll process your request.