We understand that buying Life Insurance isn’t the the most exciting thing to buy, but it is something we all need. We believe it is the ultimate love letter to your family. As an independent agency, we offer Term and Permanent coverage on individuals and for business coverage needs, such as Buy-Sell funding and Key Person. We have options for your entire family, parents, and dependents, as well as, a range of life insurance companies from which to choose. Our life insurance professionals will shop carriers to find the match best suited for your needs. We also offer Long Term Care, Disability, and Final Expense Polices.
Term Life
Offers coverage for a set number of years (typically 10, 20, 30 years) with guaranteed level premiums. Some term policies are now offering a living benefit option. These benefits provide the option to receive an accelerated death benefit in the event of a qualifying chronic, critical, or terminal illness, while the insured is still living. Contact us to learn more!
Whole Life
Or permanent insurance is coverage that builds a guaranteed cash value. It is long-term financial protection that lasts your entire life. This type of policy can even be purchased on a newborn baby. Contact us to learn more!
Universal Life
Is another form of permanent insurance that offers additional features like the flexibility to adjust your payment schedule along with a cash value that builds. Contact us to learn more!
NGL Funeral Trust
Can help you qualify for Medicaid now. The policy may be considered an exempt asset under Medicaid guidelines. You can set aside up to $15,000 to cover your funeral and other final expenses. The funeral costs are paid first with the excess funds paid to the estate of the insured.
NGL Estate Planning Trust
Designed to easily transfer wealth – up to $100,000. Funeral costs are paid first with excess funds paid directly to your named beneficiaries. It is ideal for leaving a financial legacy to loved ones or to your favorite charities. You can name as many beneficiaries as you wish. The policy may be considered exempt from Medicaid 5 years after issue.