Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Your 1 Stop Shop Insurance Agency works with 35 different Life Insurance companies to get our clients the best rates. You can get up to 3 million in coverage WITHOUT a medical exam 👏. We have Life insurance plans up to 75 million in coverage but anything over 3 million will require a Medical Exam.

​Our Agency offers all the life insurance products such as Term, Whole, Index Universal Life, Guaranteed Universal Life, Accidental Death, Final Expense, Mortgage Protection, Universal Life Insurance, including Annuities, Buy-Sell agreements & Key Person Insurance.

Types of Life Insurance

Guaranteed Universal Life Insurance
  • Guaranteed Universal Life Insurance (GUL) is affordable life insurance with long-term protection. GUL offers level premiums and no-lapse guarantees and it also helps bridge the gap between cheap temporary coverage (term) and expensive permanent coverage and as a matter of fact, more and more people are choosing GUL insurance over term life insurance nowadays. GUL tends to be more expensive than term life insurance and it also tends to be a bit cheaper than whole life insurance. GUL builds cash value but not as much as a Whole Life policy. ​
Term Life Insurance (With Return of Premium option)
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

    Term life insurance Return of Premium (ROP) option. ROP is an insurance policy that will pay you back for living. If you get a term Life Insurance policy that last 30 years, if you outlive the 30 years you will get the money back that you put into the policy every month (not including policy fees)
Whole Life Insurance
  • Whole life insurance is a permanent coverage that will last for the rest of your life. The premiums will never increase and converge will never decrease. Whole Life Insurance also builds cash value and all polices has living benefits. Living benefits is when you receive the death benefits while you are still alive. Typically, Whole Life Insurance is more expensive than term life and less expensive then Index Universal Life Insurance.
Indexed Universal Life Insurance
  • Indexed universal life (IUL) insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones. These policies put a portion of the policyholder’s premium payments toward annual renewable term life insurance, with the remainder added to the cash value of the policy after fees are deducted.  IUL universal life provides an additional level of flexibility. It allows policy owners to modify the amount and frequency of premium payments as long as there is sufficient cash value in the policy to cover monthly deductions.

    Index Universal Life insurance is a permanent Life insurance made of 3 parts:
  1. Provides a death benefit to protect your family. Provide tax advantages. 
  2. Potential for cash growth that can be used to supplement your income.
  3. Shields cash component for the impact of market decline. 
In order to receive a accurate Life/Final expense insurance rate, we will need to ask you a few questions such as D.O.B., smoker or non smoker, any health issues  prescriptions, height & weight, etc.

Health Problems? No Worries!

  • Heart Attack = Approved
  • Stroke = Approved
  • Kidney issues = Approved
  • COPD = Approved
  • Disabled Approved
  • Heart issues = Approved
Contact our Agency to learn more about our Guaranteed Approval products up to 25,000 worth of coverage.

Contact us to learn more about the right life insurance for you.
(888) 744-1714​
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