Life Insurance: Term, Permanent & Final Expense
Help protect your family’s finances, cover outstanding debts, or provide for final expenses.
Start with the financial need you want to cover. Replacing income, paying off a mortgage, and covering final expenses may call for different policies. Joseph can help you compare available term, permanent, and final expense options.
Term
Coverage for a set period, often used to protect income while raising a family or paying a mortgage. Review the policy’s renewal and conversion options before the term ends.
Permanent
Coverage designed to remain in force when policy requirements are met. Some policies build cash value. Premiums, guarantees, and cash-value provisions vary by policy.
Final expense
A smaller life insurance policy intended to help with funeral costs and other final expenses. Underwriting may be simpler than for policies with larger benefit amounts.
What to have ready
- Who you want to protect and the approximate amount of coverage you need.
- Whether you need coverage for a set period or for life.
- Be prepared to discuss health conditions and medications during your consultation, as these may affect underwriting.
For retirement income and options for a lump sum, explore annuity options.
There is no fee for the consultation. Joseph receives a commission from the insurance company if you purchase a policy through him.
Life carriers
Some of the life insurance carriers Joseph works with are listed below. Availability and carrier appointments vary by state.
Guardian
Ameritas
Corebridge
National Life
Mutual of Omaha
Bankers Fidelity