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Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Life Insurance Information

  • Life Insurance 

    Plug "life insurance" into your web browser and you will get a zillion hits. Everybody and his cousin wants to sell you life insurance. Well, so do we!

    The difference is: we will first help you determine the appropriate amount of coverage using a simple needs planning device. Only when the appropriate amount of coverage is determined can we proceed to discussing the correct product to cover your assets. We can write coverage with well over a hundred carriers: term, mortgage cancellation term, return of premium term, permanent term, conventional whole life, universal life, no lapse guarantee and more. We will help you find the product that best suits your needs and budget.

    Yes, we will provide you a "quote" over the phone or by email, BUT:

    No agent or agency can provide an accurate quote for the cost of coverage until the insurance carrier has underwritten the application. No one can.

    If you will write your life insurance business through us, we will promise you that you will receive a fair honest policy. Using our proprietary underwriting process, we will shop your case with a number of carriers to be sure that you have received a competitive price for your coverage. If you use us, you will have to do the medical exam and blood test only once. We will use those results to shop your application. We will submit your application for insurance COD.

    You have nothing invested but your time during the underwriting process. When an offer is made to insure your life, only then would you signal your acceptance by tendering your check for the first premium.



Types  of Life Insurance

 There are many kinds of life insurance, but they generally fall into two categories:
          -  term insurance 

          - permanent insurance

 Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of      insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Give us at MAR Financial a call today at 210-822-2333 to get started with your life insurance quote today!

 

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