Best Agency In The Market !
Hi, I’m Renee !
I’M A INDEPENDENT INSURANCE AGENT ITS MY JOB TO HELP PEOPLE AND PROVIDE THEM WITH THE PROPER INSURANCE COVERAGE.
I KNOW ALL THE RIGHT WAYS TO GET YOUR FAMILY COVERED IN THE TIME OF NEED.
LET’S GET YOUR FAMILY COVERED TOGETHER!
INSURANCE SPECIALIST
Services Offered
- Mortgage Protection
- Accidental Death
- Life Insurance
- Children’s Policy’s
- Final Expense
- Term & Whole Life
- Index Universal Life ( IUL )
Best Services We Can Offer For You !
How it works: Term Life Insurance has a specific end date for the level term period, when rates stay the same. After this period you can renew the policy, but at higher rates each year. Choices of coverage lengths are generally 5, 10, 15, 25 or 30 years. It’s the cheapest way to buy life insurance because you’re buying only insurance coverage and not paying for cash value Life Insurance. Term life insurance is ideal for people who want life insurance coverage for a specific debt or situation. For example, some people buy it to cover their working years as income replacement for their family in case they pass away. Some people buy term life to cover the years of a mortgage or other large debt.
TERM INSURANCE
WHOLE LIFE INSURANCE
How it works: Whole Life Insurance can provide coverage for the duration of your life. An account within the policy builds cash value over time by using part of your premium payment and adding interest. A policy will have built-in guarantees that the premium will not increase, the death benefit remains the same, and the cash value will earn a fixed rate of return. Whole life is suited for people who want lifelong coverage and are willing to pay for the guarantees provided by the policy
MORTGAGE PROTECTION
The promise of mortgage protection insurance, is simple and appealing — when you die, the policy pays off your mortgage, and your loved ones can keep the house. But the reality is more complex. For many people, a term life Insurance policy can be a cheaper, more flexible option. Mortgage protection insurance (also called mortgage life insurance and mortgage protection life insurance) is a policy that pays off the balance of your mortgage when you die. The life Insurance death benefits from a policy helps your beneficiary to pay off your mortgage, while your premiums stay the same.
INDEXED UNIVERSAL LIFE ( IUL )
How It Works : A type of permanent life insurance that provides coverage for the entire lifetime of the insured, as long as the policy is in force and premiums are paid. It is similar to traditional Universal Life insurance in that it also provides a death benefit to the beneficiaries of the policy and also accumulates cash value over time. One of the main differences between IUL and traditional universal life insurance is that the cash value of an IUL policy is tied to a stock market index, such as the S&P 500, rather than earning a fixed interest rate. Usually, the cash value of the policy will increase when the stock market index increases, but will not decrease when the stock market index decreases. This means that the cash value of the policy has the potential to increase (up to a cap stated in the policy) at a faster rate than traditional universal life insurance. IUL policies also have a minimum guaranteed interest rate, which means that the cash value will not decrease below a certain level.
Funeral Cost
How it works: You may see this kind of policy called burial, funeral or final expense insurance. No matter the name, it’s usually a small whole life insurance policy that’s intended to pay only for funeral costs and other final expenses. Burial Insurance is often offered as a policy that you can’t be turned down for and that doesn’t require a medical exam.
These types of policies are generally for people in poor health who don’t have other life insurance options and who need insurance for funeral expenses.
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We
Our top A+ Rated Insurance companies
SBLI – Best term life rates
Mutual of Omaha – IUL Available, Best for gen X & Millennials
Americo – Great benefits . IUL Available
TransAmerica – Best for reliable illustrations
John Hancock – Best for cigar use
Gerber – Juvenal & family Insurance
AIG – Great for Marijuana use.
Our mission is to Protect Your Family.
Buying life insurance can help ensure that your family will be financially taken care of if you pass away.
There are many choices for life insurance that can be a good fit for your financial goals and budget.
Honestly, I don’t just want to give you a life insurance policy. I want to do more than that. I want to guide you through every step of the process, helping you make all the right decisions along the way. So you’ll end up with a smarter, more affordable approach to protecting your family’s future.
Frequently Asked Questions?
01. Do You Need A Medical Exam ?
NO, There will never be a medical exam
02.How do I apply for insurance Services ?
It’s a simple 3-step process:
Step 1: Get started by requesting a free quote.
Step 2: Fill out form & set a phone appointment date, We’ll find the best option for your needs based on your health and lifestyle. Remember, our services are free and unbiased.
3: After selecting the plan, We will put your application in for approval.
03. Is my information confidential ?
Your information is completely confidential. No one has access to your information and, once you’ve chosen one of our highly rated companies, the insurer you decide to use. We never sell your name, address or personal information.
04. I have a policy through work. Isn’t that enough ?
As part of an overall benefits package, many employers offer some form of life insurance coverage to their employees. Since this coverage is typically paid for by the employer, it’s a great benefit to have. But it’s still wise to hold your own personal life insurance policy. There are a few reasons for this. First, the coverage provided by your employer might not be enough to support your family in the event of your death. Employer-provided life insurance often covers you for a low set amount. Additionally, your coverage will be lost if you take another job or find yourself unemployed.
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7 Facts About Life Insurance
1. You almost certainly need term life insurance.
2. Insurance is a product, not an investment.
3. It’s cheaper than you might think.
4. The earlier you buy life insurance, the better.
5. It’s a good idea to name more than one beneficiary.
6. You should review your policy regularly.
7. Your insurance might not pay out if you die from certain causes.
Looking for Professional Approach and Quality Services ?
Renee Bourque 508-579-2693 sfgreneebourque@gmail.com NPN# 20210352 BE PREPARED FOR LIFES UNEXSPECTED PLANS !!