Life Insurance

A Strong Financial Future Begins with the Right Life Insurance Plan

We make the process of buying life insurance hassle-free with with multiple options for all stages of life, and for all budgets. 

As a FREE resource, Benefit-Concepts helps Individuals select the appropriate type of life insurance to help them achieve their goals.  Whether you are concerned with covering your final expenses, or providing for your family should you pass away too soon, or you want a smart way to save for life’s milestones or you may be looking to leave behind a legacy, we can help.

Different Types of Life Insurance We Offer
This life insurance policy does not build a cash value, but pays a death benefit upon your death. It covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness, or offer a living benefit you can use to receive care and pay for chronic or terminal illness that precedes death. Premiums are typically very affordable depending on age and health status.
This type of life insurance policy helps you save for the future by building a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing. Unlike life insurance, final expense policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.

As long as you pay your premium, features Include:
-Premiums do not increase
-Policy will remain effective
-Policy will pay a guaranteed death benefit to the named beneficiary upon your death

Explore Other Insurance You May Need*