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