LifePlansUSA is the Life Insurance division of First Choice Insurance Solutions. Life insurance is one of the most versatile financial products in existence. Most people think of life insurance for the death benefit only. Life insurance can cover much more than just death alone. Some plans also include living benenfits. This benefit gives your family peace of mind if the breadwinner is diagnosed with a terminal illness and unable to financially provide for the family.
Uses of Life Insurance
If someone will suffer financially when you die, chances are you need Life Insurance. The loss of a loved one is hard enough. Life insurance will at least provide some financial support to help the family carry on. Life insurance can be used to help a family keep living in the same house, pay off debt, pay for college, business insurance, cover estate taxes. The list goes on & on… In some instances, you pay a small monthly amount, e.g. $40/month, and know that your heirs will receive $500,000 tax-free if you pass unexpectedly. You work so hard to build the life you have, let us help you protect it.
FAQ’s
How much does life insurance cost?
A: We will compare multiple quotes from the nation’s best life insurance companies to provide you the best price.
What insurance company do you work with?
A: At First Choice Insurance Solutions, we are independent agents and represent over 70 different insurance companies. This gives us the unique advantage of being able to shop your coverage desires with many carriers to find the best coverage & price for your individual needs.
What is I already have life insurance through my employer?
A: If you leave your job, your coverage usually ends. In addition, Group life insurance is usually 1-2x your salary. If something happens to you, the coverage will only support your family for a year or two. You need more coverage, especially if you have a large family and/or your spouse does not work.
Do I need a medical exam to get life insurance?
A: A fully underwritten life insurance policy requires you to take a short exam (blood, urine, height and weight) and wait around 4-6 weeks to receive your policy. However, we have a wide selection of NO EXAM life insurance companies and will guide you to the best policy without an exam today if that is your choice.
What type of life insurance is right for me?
A: Life insurance can be confusing if you don’t shop for it often. We are here to simplify it and make recommendations based on your goals. We’ll need answers to just a few questions to help you make the best choice.
What is Term life insurance?
A: Term insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term.
What is Whole life insurance?
A: Whole life insurance is a type of permanent life insurance in which the coverage and the premiums remain the same your entire life. As long as your premium payments are made as agreed, your insurance coverage lasts throughout your life, and the death benefit is a guaranteed amount.
What is Final Expense life insurance?
A: These are often referred to as burial or funeral expense insurance, provides a death benefit to use for expenses like medical bills, credit card debt, and funeral costs. These policies usually have a smaller death benefit that ranges from $2,000 up to $100,000 and the coverage lasts for life.
Finding the right life insurance is not only challenging but it is also very time-consuming. Our experienced, professionals can handle it all in one phone call.
Call us today at 1-844-750-44500 for a Free Quote.
Affordable Care for your entire family…
