While term life insurance offers coverage for a set period, whole life insurance is a type of permanent life insurance that provides coverage for your entire life. Whole life policies also build cash value, which term life does not. If you're looking for lifelong protection, we also offer Whole Life and Indexed Universal Life (IUL) insurance

Yes, life insurance can be beneficial even if you're young and healthy. In fact, purchasing term life insurance at a younger age typically results in lower premiums. It ensures that your loved ones will be financially protected, and it locks in a low rate for the long term.

Many term life insurance policies allow for conversion to a permanent policy, such as Whole Life or Indexed Universal Life (IUL), without requiring a medical exam. This flexibility allows you to switch to a permanent policy as your needs evolve.

The amount of coverage you need depends on several factors, including your income, debts, and future expenses (like education or retirement). A common rule of thumb is to have 10 to 15 times your annual income in coverage, but we recommend speaking with an agent for a personalized assessment.

IUL is a type of permanent life insurance that provides both death benefits and the potential to grow cash value. The cash value is linked to a stock market index, which allows for potential growth based on market performance, though it also offers downside protection to limit losses.

Yes! We make it easy to purchase Term Life Insurance online, with a simple and streamlined application process. However, if you have questions or prefer to speak with a real person, we're just a phone call away at 832-803-0015.

If you outlive your term life insurance policy, the coverage ends, and you will not receive any payout. Some policies may offer options to renew or convert to permanent coverage, such as Whole Life or IUL.

In most cases, life INSURANCE coverage takes effect as soon as your policy is issued and the first premium is paid. However, some policies may have a waiting period for certain types of coverage or benefits.

Yes, depending on your health, you may still be eligible for life insurance. Our underwriting process considers your medical history, and we offer options for those with certain pre-existing conditions. Additionally, some policies, like IUL or Whole Life, might have more flexible

Both Whole Life and IUL are permanent life insurance policies, but the main difference lies in how the cash value grows. Whole Life offers guaranteed growth at a fixed interest rate, while IUL is linked to an index like the S&P 500, providing potential for higher returns with some protection against market losses.

Getting a quote is easy! You can fill out our online form, and we’ll provide you with a personalized estimate for Term Life coverage. If you’re interested in Whole Life, IUL, or other options, we’re happy to discuss the best solutions for your needs. For a more personalized consultation, feel free to call us at 832-803-0015.