Offers affordable, straightforward protection that lasts a pre-determined period of time.
Benefits
Term life insurance is often the lowest priced option, but it is not a permanent solution. This coverage will help replace your income if you pass away during earning years.
Your family can use the death benefit to help pay for every day expenses like housing, childcare and groceries.
UNIVERSAL LIFE INSURANCE (PERMANENT)
Offers flexible protection that can last up to your lifetime and includes various cash accumulation options.
If you're looking for lifelong coverage, but with some flexibility along the way, universal life insurance may be a good option.
Offers lifelong protection with the most guarantees for securing a fixed premium and death benefit.
This policy upholds the amount of life insurance coverage you buy at the beginning of the policy to remain throughout your lifetime.
The biggest difference with this policy is that the cost is fixed (but varies based on your age when you buy it), and the payout amount to your family after you pass away is generally income tax free.
VARIABLE UNIVERSAL LIFE INSURANCE
This policy allows you to choose different investment options for your cash value, along with flexibility in your death benefit.
With a broader scope of investment options and full market participation, the is no limit to the growth of your cash value, however, there is potential to lose value depending on market trends.
Final expense insurance is a whole life insurance policy that has a small death benefit to help cover funeral and burial costs. Final expense insurance is also called “funeral insurance”, “burial insurance”, “simplified issue whole life insurance”, or “modified whole life insurance”.
Coverages
When it comes to insurance, there are a lot of variables that play into forming a well-rounded policy. Some of these variables include coverages, requirements, limits, deductibles, and stipulations that vary from state to state. That's why it's invaluable to have an expert in your corner to help guide you through the must-haves (requirements) and recommendations when deciding on a policy.
Here are Smart Stop Brokers, we help individuals from all walks of life, including businesses, find the best insurance solution for their unique situation.
Personalized
The best part about working with an insurance broker like Smart Stop Brokers is that you have a direct, experienced, point of contact advocating for your best interests.
We make the quoting process easy and flexible by offering online form submission, over the phone, and walk-in capabilities to suit your preference.
Customized
We'll start by gathering your basic information and understand your budget, then provide you with the best options for your needs.
Whether you need a life insurance policy that is fixed, or has potential to grow with the market, we’ll help you build a custom plan that suits your lifestyle.
Guidance
When you choose Smart Stop Brokers, we ensure you're taken care of, especially when life throws those dangerous (or simply inconvenient) curveballs your way.
The difference between term and permanent life insurance can be a difficult decision to make, but our experienced agents will help you make a well informed decision that makes sense for you and your family.
Dedicated Service and Competitive Rates
Our clients appreciate the personalized attention we provide in our 1-on-1 consultations.
Let our team find you the best value at the best rate to help secure your financial future.
Cookie Notice
Find out more about how this website uses cookies to enhance your browsing experience.
