LIFE INSURANCE

There are various insurance options available to meet a

wide range of needs.

These policies can offer financial security for your family and also present opportunities for financial growth. Your insurance agent will assess your financial circumstances and assist you in creating customized solutions for both protection and prosperity.

LIFE INSURANCE

There are various insurance options available to meet a

wide range of needs.

These policies can offer financial security for your family and also present opportunities for financial growth. Your insurance agent will assess your financial circumstances and assist you in creating customized solutions for both protection and prosperity.

Explore how insurance can play a key role in constructing a robust financial security plan.

Whether you're starting out independently, nearing retirement, or somewhere in the middle, our guidance adjusts to fit your financial situation.

Protect your loved ones:

Consider a life insurance policy to secure wealth for future generations or provide support after your passing.

Protect your income:

Safeguard against disability caused by illness or injury with an individual disability insurance policy, which can help replace lost income during your inability to work.

Protect your assets:

Preserve your savings with long-term care insurance, reimbursing you for in-home care and necessary equipment as you age and require assistance with daily activities.

Protect your future:

Our solutions adapt to meet your evolving needs, offering ongoing financial protection. Additionally, our permanent whole life insurance policies accrue cash value over time.

We adapt to your lifestyle and improve it.

Whether you're looking for personalized insurance coverage, have questions about

existing policies, or need expert advice, we're here to help.


Tailored Insurance Solutions for Your Goals

Whatever your aspirations, our insurance policies are here to support you. We collaborate closely with you to choose from a range of insurance products, all with tax advantages, and tailor them to protect your most valued assets.

Tailored Insurance Solutions for Your Goals

Whatever your aspirations, our insurance policies are here to support you. We collaborate closely with you to choose from a range of insurance products, all with tax advantages, and tailor them to protect your most valued assets.

Term Life Insurance:

Provides coverage for a specific period, offering a death benefit if you pass away during that time.

Whole Life Insurance:

Offers lifetime coverage with a guaranteed death benefit and cash value accumulation over time.

Indexed Universal Life:

Combines life insurance with potential cash value growth linked to stock market index performance.

Variable Life Insurance:

Allows policyholders to invest the cash value in various sub-accounts, potentially increasing the death benefit and cash value based on market performance

Final Expense Insurance:

Designed to cover funeral and other end-of-life expenses, typically with a smaller death benefit.

Mortgage Protection Insurance:

Ensures mortgage payments are covered in case of death, disability, or critical illness, allowing families to keep their homes without financial strain.

Become A Life

Insurance Agent

Turn your free time into a rewarding venture. Our expert-led course provides comprehensive training on both fundamental and advanced life insurance concepts. Take advantage of premium leads at the best prices in the industry and top-tier compensation while helping others secure their financial futures.

Join an industry renowned for producing the most millionaires. Embark on your path to financial success today with Financial Trust.

EXTRA INCOME as an insurance agent during your FREE TIME?

With our insurance course, you will be able to learn all the fundamental aspects of the insurance world, from basic concepts to

more advanced topics.

FAQs

What is life insurance?

Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for financial protection for your loved ones in the event of your death.Why do I need life insurance? Life insurance provides financial security for your family and loved ones, helping them cover expenses such as mortgage payments, education costs, and daily living expenses if you were to pass away.

What types of life insurance are available?

There are different types of life insurance, including term life insurance and whole life insurance, Each type offers different benefits and coverage options to suit your needs.

How much life insurance coverage do I need?

The amount of life insurance coverage you need depends on factors such as your income, debts, lifestyle, and future financial goals. Our experts can help you determine the right amount of coverage for your specific situation.

How are life insurance premiums calculated?

Life insurance premiums are based on factors such as your age, health, lifestyle, occupation, and the amount of coverage you choose. Generally, the younger and healthier you are, the lower your premiums will be.

Is life insurance taxable?

In most cases, life insurance death benefits are not taxable for the beneficiary. However, there are exceptions, such as if the policyholder's estate is large enough to trigger estate taxes. It's best to consult with a tax advisor for personalized guidance.

What happens if I miss a premium payment?

If you miss a premium payment, most life insurance policies have a grace period during which you can make the payment without penalty. If the grace period expires, your policy may lapse, and coverage could be terminated. However, some policies offer options to reinstate coverage.

Can I borrow against my life insurance policy?

Depending on the type of policy you have, you may be able to borrow against the cash value of a whole life or universal life insurance policy. Keep in mind that any outstanding loans will reduce the death benefit payable to your beneficiaries.For further inquiries or personalized assistance, feel free to contact us. We're here to help you make informed decisions about your life insurance needs.

Is life insurance necessary if I don't have dependents?

While life insurance is commonly associated with providing for dependents, it can still serve other purposes even if you don't have dependents. For example, it can help cover final expenses, pay off debts, or leave a legacy for loved ones or charitable causes. Additionally, purchasing life insurance when you're younger and healthier can lock in lower premiums for future coverage needs.

What happens if I outlive my term life insurance policy?

If you outlive your term life insurance policy, the coverage will expire, and no death benefit will be paid out. However, many term life insurance policies offer the option to renew or convert to a permanent life insurance policy before the term ends. It's important to review your options and consider your future needs as the end of your term approaches.

What happens if I am declined for life insurance coverage?

If one insurance company declines your life insurance application, don't be discouraged. Other insurers may have different underwriting guidelines, offering alternative options. You can seek coverage elsewhere, consider simplified or guaranteed issue policies, or work on improving your health for future applications. Requesting the reason for decline can provide insights, and our team is here to assist you in exploring your options and finding a suitable solution.