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"Renting Insurance"

• Great place to start for many individuals 
• Often used as Mortgage Insurance 
• Coverage is available to Age 80 or 85 (Depending on Insurer).
• Option to Extend or Convert Coverage without Medical Qualification.
• Typically Entry Policies

"Owning Insurance"

• Also referred to as Universal Life, or Whole Life
• Coverage available to Age 100 
• Cash Savings Component 
• Tax Sheltered Growth 
• Pre-Pay, Level Pay, Quick Pay Options 
• Increased Flexibility 
• Business Owners Preferred Choice.

• If you have ever been declined, or have Medical Conditions making you hard to Insure, don't worry, We've got you Covered. 
• Available at any age - Little or No Underwriting Options Available 
• Life Insurance and/or Critical Illness Insurance Available.

• Lump Sum Payment for when the "Big Stuff" happens 
• Up to 25 Conditions Covered -  allowing you time to recover from events such as a heart attack, cancer, stroke, etc.
• Funds are used at your discretion, whether you are looking for a second opinion, treatment abroad, or time with family, the choice is yours. 

• Income replacement in the event of Injury or Disability
• 24 Hour Coverage Available 
• 0/30 Day Waiting Periods 
• Benefits Paid up to Age 70. 

Group Plans for Businesses

• 2 or more full-time Employees (min 20 hours/wk).
• Husband & Wife - Owner/Operations now qualify.
• 100% Customization, Designed to cover what is important to you and your business.
• Pay Direct Cards
• Proven to extend Employee retention and improve performance.

Individual Health and Dental

• For Individuals and Families without Employer Health Benefits 
• Multiple Options Available.