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Life Insurance

Term Insurance – Is a level coverage for a set time. The rate is lower than other types of life insurance.

Term Insurance (ROP) – The return of premium option allows policy holders premiums to be returned.

Universal Life – Offers guaranteed protection for life with a cash value that grows over time.

Whole Life – Covers your final expense, has a cash value that accumulates over time and offers level premiums regardless of increasing age.

Annuity

Fixed Annuities – With Flexible premiums. Purpose is to accumulate retirement money on a tax-deferred basis through periodic premium payments.

Index Annuity – Financial security and immediate access to your money when you need it. Growth options and systematic withdrawals.

Insurance Products

As independent license agents, we provide you with the following products to protect the financial security for you and your family with help from WorldCap Financial. We offer a range of insurance product affordable prices for ages 0 to 85 years old.

  • Term Life/Term Life (ROP)

  • Universal Life
  • Whole Life
  • Retirement Plans
  • Final Expense Plans
  • Day One Coverage

  • Payments Made to the Beneficiary of Your Choice
  • Long-Term Cash Value Buildup
  • Loan or Cash Withdrawal Privileges
  • Felons Accepted
  • 10 and 20 Pay Whole Life

  • Living Death Benefit

  • Annuities
  • Rollovers
  • College Funds
  • Mortgage-Term Plans
  • Modified Coverage

  • Guaranteed Level Premiums
  • No Routine Medical Exam for Those Who Qualify
  • Graded Benefit
  • Pre-existing Conditions Accepted

Planning for the Journey Ahead

Many Americans believe that Social Security will pay for their final expenses.  However, the government only pays a lump sum of $255 for those who qualify. Planning ahead for your final expenses makes good sense and it can also relieve the financial burden from your family during a difficult time.  Start planning ahead for life’s unexpected events.

Example of a National Average Final Expense Cost

Payables

Cost

Funeral Cost Estimates
         Professional Services, Embalming, Visitation, Etc.
         Metal and Bronze Casket
         Burial Vault


$4,850
$2,495
$1,300

Cemetery Cost Estimates

         Cemetery Plot ($1,000 and up in Metro Areas)

         Monument ($500 to $2,000 and Up)

         Opening and Closing of Grave (Varies by Cement)


$900

$980

$1,325

 Total Estimated Funeral Expenses

$11,850

Other Final Expense Estimates

         Immediate Household Expenses, Rent or Mortgage Payment,             Credit Card Debt, Car Loan, Loss of Income, Hospital and                   Medical Bills Not Paid by Medical Insurance, Attorney Fees,               Court Fees, Taxes, etc.

$10,000

TOTAL ESTIMATED FINAL EXPENSES

 $21,850

*Source: U.S. Social Security Administration Understanding the Benefits 2015

** Prices may vary depending on the funeral home company.

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