OPULENCE INSURANCE AGENCY
OPULENCE Insurance Agency
Secure protection, prosperity, and peace of mind for designated survivor.
As Life Insurance Brokers, we have access to multiple A-rated insurance companies. You always have a professional on your side who will make sure you have the right protection that makes financial sense for you and your family. We will focus on you by helping you shop for the BEST coverage that suits your individual needs in order to protect you and/or your loved ones.
• AMERICAN AMICABLE
*. AMERICAN NATIONAL
• AIG - AMERICAN GENERAL
* CFG - Columbian Financial Group
* FIDELITY LIFE
* JOHN HANCOCK / VITALITY
* MASS MUTUAL
* MUTUAL OF OMAHA
* LIBERTY BANKERS
* F&G ANNUITIES & LIFE
* ReliaSHIELD IDENTITY THEFT
* GERBER LIFE
* ROYAL NEIGHBORS OF AMERICA
* NATIONAL LIFE GROUP
* GREAT WESTERN
* UNITED HOME LIFE
* UNITED FARM LIFE
* PACIFIC LIFE
* GUARDIAN LIFE
These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product. No benefit will be paid to the policyholder if he/she survives the policy term. However, many term 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 with the maximum maturity age being up to 80 years.
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.
Final Expense and Burial Insurance
Final Expense is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass. Naming someone you trust as your policy’s beneficiary is the best way to ensure the death benefit is used to fulfill your funeral plan. It should be someone who will likely be financially impacted by your death.
**Ages - 40 to 85
Mortgage Protection Insurance
Life insurance companies offer this coverage in the event the mortgage owner has a loss of income or passes away.
Critical Illness Insurance
Critical illness insurance pays you a direct lump-sum benefit if you're diagnosed with Cancer, Heart Attack, Stroke, or another illness. It's money to use for medical bills, mortgage payments, groceries, child care, etc.
Usually it's tax-free.
Disability Insurance provides partial income so you can pay your bills if you get sick or injured to work. Injuries include common conditions like arthritis, heart disease, back pain, digestive disorders, pregnancy, and depression just to name some which maybe included.
Universal & Whole Life Insurance
Indexed universal life or IUL insurance allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes, such as the Nasdaq-100 or the S&P 500. They are less risky than Variable UL insurance policies.
Whole life insurance lasts for a policyholder’s lifetime, as opposed to term life insurance, which is for a specific amount of years. Whole life insurance is paid out to a beneficiary or beneficiaries upon the policyholder’s death, provided that the premium payments were maintained. The savings component can be invested; additionally, the policyholder can access the cash while alive, by either withdrawing or borrowing against it, when needed.
Permanent life insurance will be based on the flexibility of the policy, level of investment risk and affordability.
If you took out a loan from the cash value that you haven’t paid back, the loan amount and interest will be deducted from the death benefit if you pass away. If you decide you no longer want a permanent policy, you may be able to walk away with some cash value. If you terminate the policy, the insurer will give you the cash value minus any surrender charge.
**Most insurance policies expire at ages 100 or 120.
FINAL EXPENSE and BURIAL INSURANCE
NO MEDICAL EXAM
Ages: 40 - 85
Cash Benefits ( $2,000 - $50,000 )
Life Insurance Broker - SiMonique Sinclair
SiMonique Sinclair is the mother of two sons. After losing my son's
father in 2015 at the age of 44, to a heart attack and no policy in place to financially care for the children. I've made it my life's purpose to ensure all families obtain life insurance coverage.
I'm here to help you leave a legacy.
What our customers are saying
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 recommend.
Agent - SiMonique
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.
Agent - SiMonique