Life and Health Insurance FAQ

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We offer several types of  insurance including Life, Health, IUL, Annuities, 401k Transfers, M.Y.G.A. ,Travel, Accident, Income protection, Final Expense, Just to name a few

I'm appointed with several major carriers for Medicare Advantage, Affordable Care Act (ACA) , PPO's, Health Savings Account (HSA)

Absolutely!   

• This is a separate, permanent whole life insurance policy that is most often purchased for a child.
• Locked-in low premiums: Premiums are locked in at a low, lifelong rate because the child is young and healthy.
• Guaranteed insurability: A permanent policy guarantees that the child will be able to have life insurance throughout their life, even if they develop health issues later that would otherwise make them uninsurable or subject to higher rates.
• Cash value: A portion of each premium is set aside to build cash value over time. As an adult, the child can borrow from this cash value for any purpose, such as a down payment on a home or college tuition.
• Ownership transfer: The parent or guardian is the initial owner, but the policy can be transferred to the child once they become an adult.
• Simpler underwriting: Many policies do not require a medical exam for children.