FFL  

OPULENCE INSURANCE AGENCY

With

OPULENCE  Insurance  Agency




Secure  protection,  prosperity, and  peace  of  mind  for designated survivor.


Instant Quick Quotes

Meet the Team

SiMonique Sinclair

Life Insurance Broker 

(571) 491-9608

[email protected]

Licensed

MD  3001123352 ,  VA  1213208 , AL , FL. ,

NC , TX , DC  


* Notary Public


Simonique is the mother of two sons. I have worked in the automobile and insurance industries.. 

After losing my son's father in 2015 at the age of 44, with no policy in place. I've made it my life's purpose to ensure all families have life insurance. I'm here to help you leave a legacy.

Melissa Kaijuka

Life and Health Insurance Broker

(703) 688-2647

[email protected]


Licensed

VA  1164783 , SC , MD

Melissa is a wife and mother of three daughters. She has worked for the county government and in federal contracting for over 7 years. 

I will help you protect your designated survivor.

 (888) 854-1305

Insurance Agent

FFL 
OPULENCE  INSURANCE  AGENCY

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.

  

* AETNA

*  AMERICO

• AMERICAN AMICABLE

• AIG - AMERICAN GENERAL

*  ASSURITY

​*  CFG - Columbian Financial Group

*  JOHN HANCOCK / VITALITY

*  PROSPERITY

*  MUTUAL OF OMAHA

*  LIBERTY BANKERS

*  ReliaSHIELD IDENTITY THEFT

*  TRANSAMERICA

*  GERBER LIFE

*  ROYAL NEIGHBORS OF AMERICA

*  NATIONAL LIFE GROUP

*  GREAT WESTERN

*  UNITED HOME LIFE 

*  FORESTERS

*  PACIFIC LIFE

*  MASS MUTUAL

*  GUARDIAN LIFE


Our Services


Term Insurance

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.

  Notary Service


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 

There are two types of final expense insurance: guaranteed issue life insurance and simplified issue life insurance that life insurance companies offer, which vary slightly in maximum benefit amounts ($1,000 - $50,000), pricing, and the amount of medical information required to apply (No medical exam required).

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

Mortgage Protection provides cover for your mortgage payments in the event you find yourself involuntarily unable to work due to accident, if you die prematurely, or illness. Mortgage protection insurance is a decreasing term life insurance policy. In other words, the death benefit on the policy is designed to go down over time along with your mortgage balance. Mortgage protection insurance, on the other hand, is completely optional. Mortgage protection insurance is often “guaranteed acceptance,” which means you don’t have to take a medical exam and won’t be denied for having a less than perfect health profile.

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

The price tag on universal life (UL) insurance is the minimum amount of a premium payment required to keep the policy. Beneficiaries only receive the death benefit. Unlike term life insurance, a UL insurance policy can accumulate cash value. 


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 of these insurance policies expire at ages 100 or 120.



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Life Insurance Buyer's Guide

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Final  Expense  Life  Insurance 


 NO MEDICAL EXAM 

Ages:   40  -   85

Cash Benefits ( $2,000 - $50,000 ) 


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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

     Phone: (888) 854-1305

               (571) 491-9608

               

    Mailing Address:  P.O. Box #69  Lorton, VA 22199               

                                

    Email:   [email protected]