Plan now for those you love
Leave more than just memories.
Life insurance — protect yourself & your family. Affordable term life insurance coverage from $300k to $5 million. You've had the same life insurance coverage since when?
Life insurance
Why do people buy life insurance?
3 in 10 husbands and wives have only group life insurance coverage — which ends when the job ends. Due to retirement, getting fired or employer downsizing, your coverage stays with the employer. You are now uninsured and maybe uninsurable.
Policy options
Types of life insurance
When many people think of life insurance policies, they usually don't think of all the types of life insurance available today.
- Newlyweds with debt.
- Buying your first home — it protects against losing your home to foreclosure or overwhelming debt if an income is lost due to death, and can pay off the mortgage.
- Getting married and starting a family.
Whole life insurance is designed to provide coverage for the insured's entire life as long as premiums are paid and the policy has not been surrendered. It's permanent life insurance coverage that lasts as long as you do. Over time it builds cash value, the premium never changes and the coverage amount never changes. It helps protect your family.
Universal life insurance is a type of permanent life insurance offering the low-cost protection of term life insurance as well as a savings element, which is invested to provide a cash value buildup. Also referred to as a "UL" policy, it offers flexible premiums, a level or increasing death benefit, and a tax-deferred investment opportunity.
There are two main types of permanent life insurance: whole life caters to long-term goals with consistent premiums and guaranteed cash value accumulation, while universal life gives flexibility in premium payments, death benefits and savings. Which is better? Talk with an Insurance Corner life insurance specialist today.
- No medical exam, no health questions
- Lock in a guaranteed rate for life
- Premiums never go up and benefits never go down
- Builds cash value and helps cover final expenses
Family matters
The true value of life insurance coverage
Family matters — secure their future with life insurance. Here is what life insurance can do:
- Pay off your home balance
- Cover debt — car loans, student loans, business loans and credit cards
- Family plan coverage — one policy on all family members
- Final expenses and funeral services
- Protect a dual income family from loss of income
- Living cash benefit for life threatening critical illness
- Return of premium options
- Protect your insurability from unexpected health issues
- Make a charitable contribution
Did you know?
Life insurance facts
- 01Unless you're immortal, you need life insurance — are you ready?
- 02Premiums are lower the younger you are — you get more coverage for less
- 03Smokers pay more for life insurance than non-smokers
- 047 out of 10 households have dual incomes — the loss of one makes a difference
- 054 in 10 American households are uninsured
- 06Health & age are factors that influence premium
What happens when your employment ends?
- Your employer downsizes
- You retire — remember you're older now
- You decide to start a business
- Your health has changed over the years
Don't wait to start your independent life insurance coverage — it's a smart financial decision. We are passionate about assisting families, individuals and businesses with finding modern day life insurance coverage benefits. Apply online or call 281-448-6677.
“A person who dies without adequate life insurance should have to come back and see the mess they created.”
H.E.L.P. when it matters
Life insurance store
There are many separate decisions to be made within just a few hours after a death in the family. A life insurance plan will free your loved ones from the financial worry over final expenses by providing your beneficiary with H.E.L.P. (Hurried Emergency Life Payment) when they need it most!
Talk with an Insurance Corner life insurance professional today — call or apply online.