Life insurance is a contract with an insurance company. By buying a policy, you are protected through the lifetime of the contract in exchange for monthly or annual payments. If you were to die while your policy was active, your chosen beneficiary or
beneficiaries would receive the amount in cash tax free. Your beneficiary may use this money to cover a mortgage, ongoing bills,
or other expenses for your loved ones.

My dad passed away on 4/2/2021 due to stage 4 bladder cancer at 54. How life insurance would have extended his life with the
terminal illness rider. He could have gotten the best treatment or alternative treatment. It took the doctors three months to let
my dad know cancer had spread after him going to them for pain those three months. Once I learned about this, I immersed myself in this field and made it my mission to educate as many families as possible.

You have children and/or a partner who share expenses with.
They will be responsible for paying off debt when you unfortunately pass away. Your family would be financially prepared to cover the household expenses without your additional income.

You're a homeowner.
Mortgage protection is a type of term life insurance designed to cover your mortgage payments if you pass away while the policy is in force.

Funerals are expensive.
According to the National Funeral Directors Association (NFDA), the average cost of a funeral is $6,000-$9,000. If you have life insurance, your family wont have to rely on the embarrassment of a go-fund-me or other financial resources to cover the cost of the funeral expense.
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