LIFE INSURANCE PRODUCTS

Whole Life Insurance is a permanent life insurance policy. It offers predictable premiums, coverage, and cash value accumulation. It is a good option for people who need lifelong coverage, are generally healthy, and can afford it. We offer fully underwritten whole life insurance that requires a medical exam and an option for no medical exam coverage. The great thing about medical exams is lower premiums, higher coverage amount, and with an excellent medical exam you can get a preferred status which equal big savings. We have options for everyone, even those not in the best health.

Simplified Issued Term-Life

Term-Life Insurance provides coverage for a specified amount of time. We offer 10, 20, and 30- year term life policies. Term-Life is more affordable than whole life. It is a good option for those needing a high coverage amount at an affordabe rate. We offer  simplified-issue options that require no medical exam.

Mortgage Protection Insurance

Mortgage Protection Insurance pays off the mortgage in the event of the policy holders death. This helps the policyholder's family avoid financial difficulties and stay in their home. This is a good option if your family relies on you to pay the mortgage and would have difficulty if you were not there. This type of insurance does not require a medical exam.

Final Expense (Burial)

Final Expense Insurance is also known as burial or funeral insurance. It offers lower coverage amounts that are enough to cover final medical bills and funeral cost. This type of insurance is guaranteed issued meaning there is no medical exam, and you cannot be turned down. This type of policy is great for consumers who are not able to get tranditional coverage and for those who are 50 and older.

Accidental  

Accidental Death and Dismemberment provides a benefit to your loved ones if you were involved in an accident that caused death or dismemberment. Approval for this insurance is guaranteed and does not require a medical exam

College  Plan

College Savings Plan is an Individual Endowment Life Insurance Policy that is designed to help your child pay for college. It is timed to pay out a specified amount each year that your child is in college. This type of policy builds cash value and also provides life insurance protection. This is great for parents or grandparents that want to contribute to their loved ones education costs.

Grow-Up Plan

Gerber Life's Grow-Up Plan is a whole life policy for children with a "whole lot to offer." It provides life insurance coverage and a cash value accumlation component, but it also has a coverage amount that doubles at age 18 and the same guaranteed low rate for the rest of your child's life.