At the Gilbert Group, we don’t represent the insurance carriers, we represent YOU the client! Our job is to find the best coverage at the most affordable price available to each person according to age and health offering day one coverage for most.
Do you have the right type of insurance?
Term Life provides life insurance protection for a specified period of time. Term Life is usually best for younger individuals or families with more expenses that will need to be covered if the main income earner passes away.
Whole Life is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Premiums also remain level, as does the coverage amount.
Universal Life/Flexible Premium Adjustable Life is really just a mixture of both Term Life and Whole Life Insurance, characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums, and death benefit can be reviewed and altered as a policyholder's circumstances change. his type of policy typically the most unknown variables.
Guaranteed Whole Life (2 Year Wait) is typically only issued if someone has underlying health conditions that would prevent any type of immediate coverage options. These types of poliies are typically advertised on TV ads, radio ads, and flyers in the mail and require minimal, if any, health questions to be answered.
Accidental Life is a common type of insurance coverage for many Americans. It's known for it's low monthly premiums and higher pay out if you pass away due to an accident. Most people, however, are not aware that they can get this same type of coverage at little to no charge when bundled with a Whole Life policy.
I am here to help you!
I am here to help you!
