Term Life Insurance

Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified “term” of years. If the insured dies during the time period specified in a term policy and the policy is active, then a death benefit will be paid.

Typically term life insurance provides best value, paying the highest face value upon an insureds death for the lowest possible premium. 

Term life policies can be made for up to 30 years generally, broken into 5 year increments. An example of a term policy could cost $5.00/ mo/10k face value, for a person of 29 years of age. Obviously, prices differ deoendent on health and other factors. Physical exams however are not typically required for term life policies.

Business Insurance

General Liability Insurance: This is one of the most basic types of business insurance and provides coverage for legal claims related to bodily injury, property damage, and advertising injury. It helps protect businesses from liability claims and related expenses.

Property Insurance: Property insurance covers damage or loss to a business's physical assets, such as buildings, equipment, inventory, and supplies. It typically provides coverage for events like fire, theft, vandalism, and natural disasters.

Cyber Liability Insurance: With the increase in cyber threats, cyber liability insurance is becoming increasingly important. It provides coverage for costs associated with data breaches, cyberattacks, and other cyber-related risks, including notification expenses, legal fees, and customer credit monitoring.

Final Expense Insurance

Final Expense is a type of whole life that is limited in its premiums and its payouts. Face values are typically in the 10.000.00 - 30,000.00 amount and are purposed to help pay funeral and other final expenses that the death of the policy holder.