FAMILY FIRST LIFE OPULENCE, LLC

Life Insurance Brokers

Toll free: (888) 854-1305

Office: (703) 519-1201

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

FAMILY FIRST LIFE OPULENCE, LLC.


As trusted life insurance brokers, we have access to multiple A+ rated insurance companies. You always have a professional on your side, ensuring you have the right protection that makes financial sense for you and your family. We will focus on you, by helping to shop for the right coverage that suits your individual needs and the BEST rate. Protecting your loved ones is our top priority.

At Family First Life Opulence, LLC; we pride ourselves on quality over quantity, we value all our clients from day one. We will provide annual policy reviews in the event of rate changes.


"Come secure protection, prosperity, and peace of mind with Family First Life Opulence, LLC"


* AETNA * AMERICO • AMERICAN AMICABLE *. AMERICAN NATIONAL *. AMERITAS • AIG - AMERICAN GENERAL * ASSURITY ​* CFG - Columbian Financial Group * FIDELITY LIFE * JOHN HANCOCK / VITALITY * MUTUAL OF OMAHA * LIBERTY BANKERS * F&G ANNUITIES & LIFE * ReliaSHIELD IDENTITY THEFT * TRANSAMERICA * GERBER LIFE * ROYAL NEIGHBORS OF AMERICA * NATIONAL LIFE GROUP * GREAT WESTERN * UNITED HOME LIFE * UNITED FARM LIFE * FORESTERS * PACIFIC LIFE * GUARDIAN LIFE

REASONS TO BUY FINAL EXPENSE

CHILDREN'S WHOLE LIFE

BENEFIT'S WHOLE LIFE

MORTGAGE PROTECTION LIFE INSURANCE

IUL - INDEXED UNIVERSAL LIFE

NOTICE!

Please READ before you BUY!

Life Insurance BUYERS GUIDE

(Click the icon to download)

BOOK APPOINTMENT


Video Meetings / Phone Call / Physical Meeting

PRODUCTS

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 90 years.

FINAL EXPENSE & BURIAL INSURANCE

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), 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

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

MORTGAGE INSURANCE LIFE 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 ha​ving 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.

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 insurance policies expire at ages 100.

BOOK APPOINTMENT


Video Meetings / Phone Call / Physical Meeting

Our Reviews

"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~

Phone: Toll-Free : (888) 854-1305

Office : (703) 519-1201

After Hours : (571) 491-9608

Business: 5680 King Centre Drive, Suite 600

Alexandria, Virginia 22315

Mailing: P.O. Box #69 Lorton, Virginia 22199


Email: [email protected]

Licensed to do business: AL., DC., FL., MD., NC., TX., VA.

DC 3001220609 / MD 3001123352 / VA 1213208

E&O Insured