Whole Life Insurance

Seaside - Whole Life insurance

Types of Insurance

Types of insurance - Whole life insurance

Glossary

Glossary - Whole life insurance

Discounts

Discounts - Whole life insurance

Types of Whole Life Insurance

One dollar sign
Two dollar signs
Three dollar signs

Final Expense

For those who need to save money

Final Payout

  • Final Costs

    Standard

    For the average person

    Final Payout

    • Final Costs
    • Lump Sum

    Borrow

    • Percentage of Accumulated Cash 

    Universal

    For those who want flexibility

    Final Payout

    • Final Costs
    • Lump Sum

    Borrow

    • Percentage of Accumulated Cash 

    Flexibility

    • Add Spouse
    • Add Child

      Glossary

      Final Costs

      Pays for the costs to hold the funeral, burial graveyard plot, vault, cremation, medical bills, and estate taxes.

      Lump Sum

      The total accumulated cash over the term of the policy and/or garanteed amount. Accumulated cash comes from a percentage of your premium plus investment gains.

      Borrowing

      Some plans let you borrow or take from your accumulated cash for important expenses. This will reduce the cash that is given at death.

      Adding Relative

      You can add a child with special limit or a spouse to your policy. This would be cheaper than buying two seperate policies.

      Limited Pay

      This gives a time limit on how long you will be paying your policy for (eg. 10 years). After the time limit is up, you won’t have to pay any more and you will get the full death benefit when the time comes.

      Single Premium

      You will pay one time and then you will have your death benefit for the rest of your life.

      Standard Payment

      Pay every month until you die

      Discounts*

      • Multi Policy
      • Loyalty
      • Group
      • Good Health
      • Non-Smoker
      • Safety
      • Automatic Payments
      • Bank or Card Payments
      • Paperless

      *Different carriers use different discounts

      Frequently Asked Questions

      Do we insure people with many claims?

      We have select carriers for people who have many claims or a bad record

      What payment methods do we accept?

      Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

      How can I file a claim?

       We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan and we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.

       

      If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email