What information do I need for a quote? All that is required is some basic information over the phone which we provide to the carriers who then determine if more medical records or a medical exam is required.
Please be prepared with the following:
Insured Weight and Height
Do you take any medication?
Do you smoke?
Some of our most popular products include: Term Life Whole Life Universal Life Final Expense Baby Policies Buy Sell Agreements
Did you know that you can buy life insurance for your business partner or for your key employees? We also offer life insurance to businesses to fund buy sell agreements, cross purchase agreements or key man insurance. Many owners of businesses have invested their entire lives to building up their enterprises and their survivors could lose everything that has been built up over the years due to the owners or a partner’s untimely passing.
We have the ability to find solutions for every situation.
Additional Add-ons In addition to your base policy, we also offer many endorsements to further customize and enhance your coverage. Listed below are a list of our most common life coverage:
Accident Death Benefit
Start here by getting a quick and easy quote…. then follow up with a phone call and directly speak with an agent 440-324-3732. Proudly serving Ohio and Kentucky, especially the local communities of Elyria, Lorain, Medina, Avon Lake, Avon, Sheffield, Vermilion, Wakeman, Westlake, Rocky River, and North Ridgeville.
Frequently Asked Questions
What is a beneficiary?
A beneficiary is the person or entity ( like a church or charitable organization) that you name to receive your death benefit.
Will my beneficiary have to pay income tax on my death benefits?
No, in most cases death benefits from a life policy are not considered taxable income.
Do I have to have a medical exam? if so, what should I expect?
A medical professional will come to your house or work by appointment ( even on weekends). The medical professional with take all your vitals ( pulse, height, weight) plus a blood sample. Sometimes, they will even ask for a urine sample and do a EKG. It all depends on the life carrier. Overall, its less than 15 minutes and pretty painless.
Can I get life insurance if I smoke?
Yes! We have life insurance products for all lifestyles and people. Including coverage for the elderly, children, those who smoke or don't have perfect health/weight.
Can i have more than one beneficiary?
Yes! You can have several beneficiaries and name the percentage of the benefit. Example Wife -50% Child 1 -25% Child 2 -25%
I get life life insurance from my job, why should i buy more?
Because work policies are typically tied with employment, many cancel with your employment.
What billing options do you have?
We have many billing options, including monthly.
Can i buy life insurance for my grand child?
Yes! Life insurance is the best gift. You can buy a policy in a child's name.
can i buy more than one life policy?
Yes! We often layer different types of policies ( like whole life and term) to help solve your financial goals.