Types Of Life Insurance Coverage I Offer
Life insurance provides financial protection to your loved ones in case of your untimely demise. It’s a vital component of financial planning that ensures peace of mind and security for the future.
Term Life Insurance
This is the most straightforward and affordable type of life insurance. It provides coverage for a specific period, such as 10, 20, or 30 years. If the insured passes away during the term, the beneficiaries receive a death benefit. If the term expires while the insured is alive, there is no payout.
Whole Life Insurance
Whole life insurance offers lifetime coverage and includes a savings component known as cash value. Premiums are typically higher than term insurance but remain fixed throughout the policyholder’s life. The cash value grows over time and can be borrowed against.
Emergency Room (E.R.) Visit Coverage
This type of coverage provides a direct cash benefit when you visit the emergency room for a covered injury or illness. It’s designed to help offset unexpected expenses like co-pays, deductibles, or time off work. Payments go directly to you, regardless of your existing health insurance.Intensive Care Unit (ICU) Stay Coverage
This specialized coverage provides additional financial support when you’re admitted to an ICU for serious illness or injury. It offers higher benefit amounts than standard hospital coverage and helps ease the financial burden during critical health events, paying you directly while you recover. 
Hospital Admission Coverage
Hospital admission coverage pays a lump-sum benefit when you are admitted to a hospital due to a covered condition. This benefit is paid directly to you and can be used however you need — whether for medical bills, household expenses, or lost income during your stay.Final Expense Insurance
Also known as burial or funeral insurance, this is designed to cover end-of-life expenses such as funeral costs and medical bills. It usually offers smaller coverage amounts and is easier to qualify for.
Group Life Insurance
Often provided by employers, group life insurance offers coverage to a group of people under a single contract. It is typically less expensive than individual policies but may offer limited coverage amounts.Accidental Death and Dismemberment (AD&D) Insurance
This is a limited life insurance policy that pays a benefit if the insured dies or is seriously injured in an accident. It does not cover natural causes of death or illnesses. 