Are you getting married? Planning to have children? Getting a new home? Congratulations! When it stops being you alone, it’s time to think about life insurance.

 

Term life insurance is one of the easiest insurance products and one of the most affordable ways to protect your loved ones.

With our term life insurance, you buy coverage for a set time. It can be between 10 and 30 years. And if you die within that period, your family would get a large payout. Consider this payout like a safety net for your loved ones.

Get your fast, free term life insurance quote in just seconds with Life And Health Genius

 

 

Customized term lengths

10, 15, 20, and 30-year terms.

Benefit amounts

$20,000 to $1 million

Policy issue ages

18-65

Extra features

• Guaranteed renewable

• Guaranteed level premiums

• Return Of Premium

 

This is permanent life insurance coverage that can provide guaranteed protection for the rest of your life while earning additional cash value that can be used for things like policy loans. Whole life policies don't expire as long as your regular premiums are paid. This can be used to cover final expenses when you pass away.

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Benefit amounts

from $25,000 to $500,000

Policy issue ages

0-89

Great for

People who want to have a policy that covers their needs for life and comes with cash value savings.

Details

• Guaranteed level premiums, which means the rate you get today will never go up (as long as you keep up with payments).

• Depending on eligibility and state availability, your death benefit will either kick in immediately or after 2-3 years time to cover deaths from illness, disease, or old age. All accidental deaths are covered immediately.

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This is permanent life insurance coverage for children that can provide guaranteed protection for the rest of your life while earning additional cash value. Children can get coverage as  soon as 14 days old until the age of 17.

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Benefits 

• Lock In Their Price- While they are the youngest & healthiest they will ever be, you can lock in a low price they keep forever.

• They Can Build Cash Value- This is money that can later be withdrawn from or borrowed against to get a head start in life.

• Guarantees Future Insurability- You never know what can happen over the course of their life. This guarantees they have coverage should they ever become ill or anything changes about their health.

• Provides Permanent Coverage- This coverage will last the child’s entire life.

• Covers Costs If The Worse Were To Happen- This policy will pay out a lump sum in the event of the death of a child.

 

Indexed universal life, or IUL, is a type of life insurance policy that provides both a death benefit and a cash value component. The funds that are within the policy’s cash value differ from those in a whole life insurance policy, or even from a regular universal life insurance policy because the return with an IUL policy is tracked based on the performance of an underlying market index. 

When the underlying index performs well in a given year, then the cash value is credited with a positive return and when it performs poorly in a given year, the policyholder will not lose value in the account, but will simply be credited with a 0% for that period.

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Benefits

• Tax-Free Withdraws

• Tax-Deferred Growth

• Death Benefit + Growth Components