Protecting Your Future with Term Life Insurance

The process is actually a lot simpler than you think! Because we are brokers our rates and plans are a lot more inexpensive than you think because we are able to shop over 40 carriers for you to find you the best plan that fits both your budget and your needs. 

Benefits of Working With Us:

✅ No Medical Exams Required in Most Cases

✅ Approvals Can Be Done Same Day In Minutes

✅ Tobacco Users Can Be Accepted

✅ Affordable Low-Cost Premiums That Fit Anyone's Budget

✅Have some health concerns? That's ok we have several carriers who accept health concerns your family deserves coverage as well.

 Click the blue button above, and one of our licensed agents in your state will email you a few options to review. Please be as honest as possible on the form, as every carrier can access your medical information online. They'll see your full medical history, and we want to ensure you get the most accurate options based on what you qualify for. 

✅ We work with over 40 carriers.

✅ Some are more forgiving than others with former medical conditions.

✅We try to avoid declines as those will impact you getting coverage with some carriers so let's gather all the proper information needed to get you the most accurate rates. 

 Children’s Whole life insurance is a type of permanent life insurance coverage designed for children 14 days old to age 17. Provide the gift of lifelong protection for your children and grandchildren through premiums that are guaranteed to never increase. 

 never increase.

• Want to lock in low childhood rates that will never increase
• Want to guarantee coverage throughout adulthood regardless of future health or occupation
• Want to invest in a policy that provides cash value, which will grow along with your child
• Want to provide the opportunity to add more coverage in the future

Help establish your child’s financial foundation with life insurance. You can’t predict your child’s future, but you can help to protect it. Universal Life Insurance is an easy way to help establish a financial foundation for your child’s future. No matter what the future brings, your child will have the flexibility of a universal life policy to help prepare for different life stages. In addition to having a policy that can remain in force, your child can take advantage of additional coverage options during adulthood. 

 What are the advantages of Juvenile Universal Life Insurance? l Offers flexible premiums and death benefit amounts. l Builds cash value at current credited interest rates. l Provides access to the policy’s cash value when needed. l Offers affordable rates that are generally lower for children than adults. l Allows children to assume full ownership of their policies when they are old enough. What benefits and features are included? l Two plan design options: level death benefit (Option A) or increasing death benefit (Option B). l An Accelerated Death Benefit. l Allows the policyowner to borrow against the policy’s cash value or take cash withdrawals from cash value if needed. l A Guaranteed Purchase Option. l Rates that will not increase because the child gets older. 

Did you know the number 1 cause of death differs by age group?

-From ages 1 to 4, babies, toddlers, and their caregivers should be extra cautious around water

-For a person between 5 and 24, car crashes pose the greatest threat to their life

-For people between 25 and 44, the leading cause of death shifts from car crashes to accidental poisoning

-From ages 45 to 64, as our cells age and DNA gets damaged, cancer becomes the greatest risk to our lives

-For people age 65 and older, heart disease (sometimes called the silent killer) becomes a bigger threat than cancer

Accidental Deaths are the 3rd Cause of Death in the US. Pictured above is Founder Jason Cintron as he was filmed Live on Live PD working as a Paramedic. On an average 24 hour shift he would commonly run anywhere between 14-20 calls. That means 14 families on average every 24 hours just in his zone alone had an emergency they were not planning on alter their life.  This is why we also say it's better to get coverage today, because we also know tomorrow is never promised.  

An estimated 200,955 people died from unintentional injuries in 2020, with the highest death rates from unintentional injuries found among the elderly. The most common types of unintentional injuries that lead to death involve poisonings, motor vehicles, and falls, suffocation, drowning, fire and burns, and natural or environmental disasters .