Prepare Now so your Legacy Lives on Forever

Finding the Right Life Insurance for You

 

Thinking about life after we have moved on can often be uncomfortable.   Whether it is to pay off an existing mortgage or outstanding debt; or provide your family with the financial nest egg that will carry them through a life-time, now is the time to prepare.  

 

Financial Centers is an independent insurance agency that represents several of the highest rated and established Insurance Companies in the world.  Not only will be able to assist you in choosing the right type of life insurance product, we are able to compare which carrier best suits your individual needs.

Term Life Insurance

  • Coverage for a “term” or period of your life
  • Least expensive for higher coverage
  • Fixed Rates
  • No equity – cannot be used as cash value
 
Whole Life Insurance
  • Permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.
 
Universal Life Insurance
  • Permanent coverage
  • Payments made above costs will be credited toward cash value
  • Flexible Premiums- ability to put more or less in the policy
  • Typically less expensive than an equivalent 'Whole Life" policy
     
Fixed Index Universal Life
  • Same Benefits as Universal Life

  •  Potential to accumulate cash value 

  • based on positive changes in an external market index

 

The Companies we Individually Represent

(There may be additional companies not listed that we are contracted with and can make their products available)

 

Allianz Life 

 

American General Life 

 

American National Life 

 

Assurity Life 

 

Aviva Life & Annuity 

 

AXA-Equitable 

 

Companion Life (NY) 

 

Hartford Life Insurance Co 

 

ING/Reliastar 

 

John Hancock Insurance Co. 

 

Genworth Financial 

 

Liberty Life-Athene 

 

Life of the Southwest 

 

Lincoln Benefit Life 

 

Lincoln Financial 

 

Minnesota Life Insurance Company 

 

MetLife/General American/New England 

 

National Life 

 

North American Company 

 

Old Mutual 

 

Phoenix Life 

 

Principal Financial 

 

Protective Life 

 

Prudential Financial 

 

Sagicor 

 

Sentinel Security Life 

 

Sun Life Assurance 

 

Transamerica Life Insurance Co

 

United of Omaha

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