A Common Sense Guide to Buying Life Insurance

A Common Sense Guide to Buying Life InsuranceA Common Sense Guide to Buying Life InsuranceA Common Sense Guide to Buying Life Insurance

A Common Sense Guide to Buying Life Insurance

A Common Sense Guide to Buying Life InsuranceA Common Sense Guide to Buying Life InsuranceA Common Sense Guide to Buying Life Insurance

Insuring a Bright Future

Insuring a Bright FutureInsuring a Bright FutureInsuring a Bright Future

Why do i need life insurance?

No matter your age or your income, there are two reasons to purchase life insurance.


you owe someone

  • Mortgage or rent
  • Current Debts
  • Final expenses (burial/funeral costs)


you love someone

  • Income continuation
  • College Education

What best fits your needs?

whole life insurance

single premium whole life insurance

whole life insurance

Is a type of permanent life insurance that offers lifelong coverage at an affordable rate. Over time, this plan will build cash value (can be used for emergencies, college, retirement, or to purchase more insurance) that grows tax-deferred and can be accessed during your lifetime. Also includes a TAX-FREE DEATH BENEFIT.

tERM iNSURANCE

single premium whole life insurance

whole life insurance

Is a type of life insurance that provides coverage for a set period or "term" and pays a death benefit only if you die during that term:  Helps you guarantee your family a financial safety net if you were to die unexpectedly.

single premium whole life insurance

single premium whole life insurance

single premium whole life insurance

Is a wealth creating one and done type of purchase. Once you pay the initial premium, you will not be burdened with ongoing premiums and you will have coverage for your lifetime. An ideal way to leave a legacy to your children tax free, if you have money that you are not using, the purchase of an SPWL plan can help you turn those dollars into a more substantial estate.

Final expense

Mortgage Protection

single premium whole life insurance

Must be 45-80 years of age. Final expense insurance can help you ease an economic hardship that your family might endure. No medical exams are required. Offers a simple yet affordable way to meet your end-of-life financial obligations. Builds cash value that you can borrow against if needed.

roth IRA

Mortgage Protection

Mortgage Protection

Is an individual retirement arrangement, it differs from a Traditional IRA in its tax incentives. 

  • Tax-free distributions,
  • not being required to take money out, and
  • a possible tax credit of up to $1,000.

Eligible assets from most retirement plans, such as your 401(k) plan or Traditional IRAS can be rolled over to Roth IRAS.

Mortgage Protection

Mortgage Protection

Mortgage Protection

Is a type of life insurance designed to pay your mortgage if you were to pass away or possibly while you're still living, leaving your family in a DEBT-FREE peaceful state of mind.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

The cost of life insurance depends on several factors, including your age, gender, overall health, the type and term of the policy, and how much coverage you purchase.


When speaking with your agent to set up your policy, any valuables you are concerned about we can review and recommend changes to ensure your valuables have proper coverage.


Thats no problem! You could always replace, convert, increase or add new coverage.


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Contact Us

Better yet, see us in person!

We love our customers, so feel free to schedule an appointment at ANYTIME!

takulvemontaro@gmail.com Donnieculliver@gmail.com

Hours

Available 24/7

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Donnie Culliver

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