Office 205.948.3430
Five Common Policies
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Term - Coverage length 10 - 30 yrs., best acquired between ages 18-65, medical exam not always needed, does not build cash value, can yield a death benefit of $100k+ with a fixed rate premium.
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Whole - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefit of $50k+ with a fixed rate premium.
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Universal - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefit of $50k+ with a flexible rate premium.
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Variable - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefits $50k+ with a fixed rate premium.
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Final Expense - Coverage Length Life, best acquired between ages of 45-85, no medical exam needed, builds cash value, death benefit up to $50k with a fixed rate premium.