Life Insurance Solutions To Meet Your Needs
Today’s families are concerned about the bigger picture: healthcare costs, retirement readiness, and protecting their family’s quality of life. That’s why we’re committed to helping provide holistic solutions designed to help people achieve a lifetime of financial security.
Whole life coverage may be right if you:
- Need coverage that doesn’t require a medical exam
- Have a tight budget or fixed income and need a premium that won’t increase
- Need coverage for burial, funeral, or other final expenses, or to pay off debts
- Would like to supplement existing insurance coverage
- Want to build cash value and have access to funds in an emergency
WHOLE LIFE INSURANCE
Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that help pay for end-of-life expenses. These policies also have the opportunity to earn cash dividends to be accessed now. Whole life is available for individuals between the ages of 45-85 (in NY, ages 50 to 75) only.
Whole life is a common option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, permanent protection.
- Available for customers ages 45-85 (in NY, ages 50-75)
- Guaranteed coverage - no medical exam or health questions guaranteed coverage
- Benefit amounts: $2,000 – $25,000 (in WA, $5,000 - $25,000)
- Benefits are never reduced because of age or health
- Affordable rates that never increase
Term life coverage may be right if you:
- Require coverage for a certain period of time, such as to cover your working years for income protection.
- Want to help your loveones maintain their lifestyle or stay in their current home if you’re no longer around
- Need to make sure debts, such as a car loan or credit card, are paid off in the event of death or chronic, critical or terminal illness.
- Are just entering your prime earning years and need an affordable premium
TERM LIFE INSURANCE
Term life is a common option for newlyweds, young parents, young professionals, working individuals, and homeowners.
Term insurance protects families for a specific length of time (or “term”) and typically offers lower premiums compared to permanent life insurance options. Term policies can be a great option for business owners, young families on a budget, or older clients that need affordable life insurance.
- Customized terms: 10-, 15-, 20- and 30-year terms available
- Policy issue ages: 18 – 80*
- Benefit amounts: $100,000 plus
- You have the option to convert your coverage
Universal Life coverage may be right if you:
- Need coverage to protect your loved ones from the financial consequences of your death
- Value the opportunity to accumulate cash value funds that can later be accessed to pay for expenses such as college funding or emergencies
- Want the flexibility to adjust your payments and death benefit amount*
- Have maxed out your IRA or 401(k) and need additional safe investment catalyst for retirement
UNIVERSAL LIFE INSURANCE
Universal Life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash value on a tax-deferred basis.
Universal life insurance can help protect a family's standard of living or help fund a child's education in the event of the death of the insured. The Universal Life policies also offer options to change death benefit amounts or adjust premium payments within certain limitations.
Accidental Death coverage may be right if you:
- Want to provide protection for your family in the event of an unexpected covered accident
- Need to supplement coverage for existing life insurance policy
- Cannot qualify for other types of life insurance due to age, occupation or health conditions
- Are on a modest budget and/or need coverage quickly
ACCIDENTAL DEATH INSURANCE
Accidental death insurance provides financial support for your loved ones if you die in a covered accident. It’s available for anyone between the ages of 18-70; because this is guaranteed protection, you cannot be turned down if you qualify based on age.
- Policy issue ages: 18 – 70
- Guaranteed renewable to age 80
- Benefit amounts: Up to $1,000,000
- Family coverage available
A better strategy for all:
- Simplified electronic application helps make submissions easier and more accurate.
- No medical exams or labs, automated underwriting, and fast case placement.
FINAL EXPENSE INSURANCE
Unlike an inheritance, final expenses are something no one wants to pass on to loved ones. Final Expense coverage can help take care of end-of-life expenses, so when the time comes, loved ones can focus on family- not finances. An added feature to these policies is the option to earn cash value accumulation that can be accessed readily for emergencies.
CARRIERS
Insure Me Now-Niccole is designed to offer a wide variety of life, health & sickness products from a long list of top-rated carriers in the country. This allows our agents to help families find the best products to meet their unique needs.
INSURE ME NOW-NICCOLE
Insure Me Now-Niccole makes the families we protect and the families of our agents our number one priority.
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