Have you recently gotten into a mortgage and would like your spouse and kids to be able to own the house free and clear should you pass away? Mortgage life insurance can fill this need and usually requires you to jump through fewer hoops than traditional life insurance underwriting requires.  Most of the time you can get this valuable coverage with no medical exams required and with some simple health questions and pharmaceutical history check. There is also additional coverage that may be available should you develop a critical illness that would pay out a lump sum of money. This would be a timely benefit to cover expenses that you may not be able to afford should you lose your job due to your critical illness.

Also called "burial insurance" by some, final expense insurance should be an amount large enough to cover all of your final expenses such as your funeral, burial, cemetery plot, headstone, and various other outstanding bills and debts. Because the costs of funerals and associated fees continue to rise each year, it is important to review your coverage needs every few years as your circumstances change.  We offer whole life policies that never reduce in value and the premiums stay level throughout the life of the policy.  Beware of "modified whole life" or 5-year term policies offered through the mail or advertised on tv.  These policies raise your rates every 5 years and cancel the policy altogether once you have reached their maximum insurable age of 80 in many cases.  You are then left with no coverage and nothing to show for all of the thousands of dollars in premiums you may have paid into the policy from the time your purchased it.