Life insurance solutions for your needs
Life Insurance
Annuities
Mortgage Protection
Income Replacement
Final Expense
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Insurance Options
Life Insurance
Annuities
Annuities are investments issued by insurance companies that can be used to help build a guaranteed income stream. Read more
Mortgage Protection
MPLI helps the people you love remain in the home they love, even if you pass away before the mortgage is paid off.
Final Expense
Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses. Read more
Life insurance facts and statistics
Life insurance, and the decision to get a policy, are something many people consider so that their loved ones are protected in the event of their death. The industry can be confusing to many, and there may be some things about life insurance that you did not know.
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Don’t put it off.
Life insurance is one of the most selfless gifts you can give to the people you love when you pass away.
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42% of families would face financial hardship within 6 months in the event of the death of a wage earner
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The premium amount increases on average eight to ten percent for every year of age.
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In 2024, 54% of Americans were covered by life insurance.
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38% of millennials refrain from purchasing coverage because they fear they won’t qualify.
- To replace income. Over half of households rely on a dual income to maintain their lifestyle. A Study showed 42% say they would struggle financially within six months after losing an income. 25% would only last one month before experiencing financial hardship.
- To pay for end-of-life costs. The average funeral and burial cost $7,848, while a funeral and cremation is about $6,971.
- To provide an inheritance or a gift to charity. If you want to leave your loved ones a financial legacy, a life insurance policy death benefit could provide an inheritance or a gift to charity.
- To protect your business. Your death benefit may be used to cover your small business’ payroll and other operational expenses should your death disrupt operations.
- To diversify your investments. Permanent life insurance policies have a cash value component that grows tax-free. Usually, this is at a fixed or money-market rate, which offers a very conservative return.
- To cover estate taxes. If you leave substantial assets to your heirs, they could face a large estate tax burden. Beneficiaries of your life insurance policy can use the death benefits they receive to pay any estate taxes.
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