“Protect What Matters Most: Affordable Life Insurance for You and Your Loved Ones”
We specialize in helping families secure their financial future. Learn, apply, and protect with ease.
Why Get Life Insurance
Like most of us, we know you would do anything to protect your family and ensure they have a bright future. But have you considered how your loved ones would continue financially if you were no longer here, or if you were no longer able to provide for your family? Life insurance is a simple and affordable way to answer that question. It allows you to provide peace of mind for yourself and your loved ones. And at Legacy Builders, our team of agents have all got your back. You'll be in good company
Type of Life Insurance
Term Life Insurance
Return-Of-Premium Term
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting
Fixed Indexed Annuity
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
No-Medical-Exam Life
Insurance This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential
Frequently Asked Questions
Like whole life plans, most term life plans have a fixed premium and fixed death benefit. However, whole life provides benefits for the rest of the insured person’s life, whereas term life only lasts for a specific period of time. In addition, a whole life policy includes cash value, whereas a term life policy only includes the death benefit. On the other hand, term life has a lower premium per dollar of coverage and significantly larger death benefits are available.
Whole life and universal life are both types of permanent life insurance, so they have many characteristics in common. Both whole life and universal life provide a death benefit for the rest of the insured person’s life. The main difference is that whole life has a fixed premium and a fixed benefit, whereas universal life has more flexibility — but that flexibility also comes with more risk, as the premium might increase.
In general, whole life is a highly affordable type of insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount. The Living Promise plan also takes health and tobacco use into account, but the Guaranteed Plus plan does not.
