Life Insurance
To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning
because it ensures the financial security of the beneficiaries after the policyholder’s death. A life insurance policy provides you, your family and/or business with peace of mind. After all, it’s nice to know thatyour loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.
Helping Hands Life advisors help you make sournd, indformed decisions about issues affecting your Health Insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace of mind
We Strive for Customer Satisfaction!
We would love to discuss any of your insurance needs. Below is a list of our more products. However, this list is not comprehensive, so if what you are looking for is not listed, please give us a call, email, or fill out a request help form.. Let us work with you to find the best coverage at the most affordable cost.
Term Insurance
Term life insurance provides affordable and flexible coverage that protects financial futures, mortgages, and education expenses without investment components. It adjusts to life stages while offering peace of mind for individuals and their loved ones. In uncertain times, term life insurance provides a financial beacon of security for unexpected challenges that may arise.
Whole Life
Whole life insurance protects loved ones’ financial security, offers tax advantages and lifelong coverage. It also builds cash value for emergencies, retirement income, and hedges against inflation and market fluctuations. With tax-deferred growth and tax-free death benefits, it is a valuable long-term asset for building a solid financial foundation. We can help review options.
Living Benefits
Living benefits in life insurance offer a safety net for critical illnesses, chronic health issues or terminal diagnoses. Policyholders can access a portion of their death benefit while alive for medical bills and care. This eases the financial burden, preserving quality of life and easing recovery. Living benefits provide peace of mind and enhance the present. Add to Term, Whole Life and Universal Life Policies.
Universal Life
Universal life insurance provides flexible protection that can be tailored to changing needs. It has a built-in savings element and offers the potential for wealth accumulation, estate planning, or legacy building with tax advantages that help grow wealth quickly. It’s an excellent way to take control of your financial future and achieve financial security.
Final Expense
Final expense insurance covers end-of-life costs like funeral, medical bills, and debts. Ideal for older individuals, it requires no medical exams, making it affordable and accessible. It’s a compassionate way to ensure final wishes are met without leaving loved ones in a financial lurch amidst rising funeral costs.
Accidental Death Coverage
Accidental Death coverage insurance provides financial support to beneficiaries of those in hazardous professions or activities, covering funeral costs, debts, and living expenses in case of unexpected death. The policy is customizable and offers comprehensive protection to loved ones. Contact us today.
Leave a Legacy
Self-banking insurance is a new way to manage one’s wealth seamlessly combining life insurance with a banking system. With it, policyholders can build cash value, have access to it and grow their wealth. This yields many benefits in terms of asset accumulation, liquidity, and financial peace of mind, empowering individuals to achieve their financial goals.
Key Man Insurance
Key man insurance provides financial stability to businesses during a transition period caused by the loss of a key employee. It covers expenses like finding a replacement, lost revenue compensation, and debt repayments. This coverage is vital and can determine whether a company survives or fails. Business owners can focus on long-term success with this protection.
Mortgage Protection
Mortgage Protection life insurance offers homeowners peace of mind by paying off their mortgage if they pass away, ensuring that their loved ones can keep their home without financial strain. This coverage is accessible and doesn’t require medical exams, making it a practical choice for homeowners, providing stability and security during challenging times.
