TERM LIFE INSURANCE

What is term life insurance...

Term life insurance policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product. Many term life insurance plans come with guaranteed renewal feature, which allows the policyholders to extend the policy term. 

Most plans are available for people between the age of 18 to 65 years.

Our Best term life insurance companies are Mutual of Omaha, Transamerica, Lincoln Financial, Pacific Life, American Amicable, Ethos

FINAL EXPENSE & BURIAL INSURANCE

Final Expense & Burial Insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass. There are two types of final expense insurance: Guaranteed Issue and Simplified issue that life insurance companies offer, which vary slightly in maximum benefit amounts ($1,000 - $50,000)

  Funeral Insurance, Senior Life Insurance, all fall under Final Expense & Burial Insurance coverage. (No medical exam required). Our Best final expense insurance companies are American General life insurance or AIG, Mutual of Omaha, Transamerica, Foresters, Americo, Royal Neighbors of America, American Amicable, Aetna Great Western and Gerber insurance companies.

**Ages - 40 to 85

NOTARY SERVICES

Customers must bring a valid, current photo ID, and all signers must be present at signing. Cost is $5 per signature.

Notaries must perform their official duties with respect and seriousness for the public service role they play as a trusted, impartial witness

ANNUITIES

Insurance companies are forced to set aside $1 for every $1 invested into annuities. Annuities provide a safe alternative to bank CD's and savings accounts. Social security, pensions, and other retirement accounts don't provide enough retirement income. 

Traditional fixed and fixed indexed annuities, offers a minimum crediting rate, guaranteed monthly payments and provide a safe alternative to bank CD's and savings accounts.

Our BEST Annuity providers are Fidelity, American National, Pacific Life, Lincoln Financial, Mutual of Omaha, F&G, and Transamerica, Sagicor Life USA.

MORTGAGE INSURANCE LIFE INSURANCE

Mortgage Protection Life Insurance provides cover for your mortgage payments in the event you find yourself involuntarily unable to work. The death benefit on the policy is designed to go down over time along with your mortgage balance. Mortgage protection insurance is often “guaranteed acceptance,” which means you don’t have to take a medical exam. 

Life insurance companies offer this coverage in the event the mortgage owner has a loss of income or passes away.

UNIVERSAL & WHOLE LIFE INSURANCE

• Indexed Universal Life or Universal Life Insurance allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Universal Life Insurance and Policies offer a variety of well-known indexes, such as the Nasdaq-100 or the S&P 500.

• Whole life insurance lasts for a policyholder’s lifetime, as opposed to term life insurance, which is for a specific amount of years. Our Best Universal Life & Whole life insurance companies. . .Mutual of Omaha, Lincoln Financial, John Hancock, Transamerica, Guardian Life and AIG

**Most insurance policies expire at ages 100.

"My agent came to me, emailed detailed etc for me to review even before we met. Having that opportunity I feel gave me time to make the best option for me and my family"

~K. B~

"I would highly recommend SiMonique. She makes sure that she listens to your questions, and then makes sure that you understand exactly what you are getting, and fits you with what is best for you and your family. She is great. Please talk with her and see for yourself"

~G. B~

"This is my second policy I am getting with this agent. Always professional and knowledgeable about the products she is proposing and giving best options for my families needs. Highly recommended!"

~K. N~