LIFE INSURANCE
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Life Insurance - The Definition of True Security Knowing that no matter what your loved ones will be taken care of is the ultimate sense of security. In the case of the unthinkable, you don't want your loved ones left with not only the grief for the loss, but bills to only make it worse. Life insurance can ensure this doesn't happen.
In Tough Times, Why Spend Money on Life Insurance? Out of all the major insurance policies out there, life insurance is one of the lowest priced you will find on average. If money is tight for your family, imagine how much tighter it would be without you here. It's the responsible thing to do, we are not immortal no matter how much we may feel like it sometimes.
You Don't Have To Jump Through Hoops For Life Insurance. It's a pain to get life insurance you might think, but you have many options. Some may feel they don't have the time for an exam or physical to be able to get coverage. Well, they don't have to. There are many policies available that one can get with no questions asked as well as no exams required. These and other options can be quoted and compared for free when you fill out our quick form to get your free quotes.
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Protection Options That Suit Your Needs and Budget Life insurance provides financial security for your loved ones when they need it most. With the right planning, you can help ensure your family’s finances are protected if you aren’t there to provide for them.The death benefit from a life insurance policy can help replace income and pay any expenses that your family will have after your death, including:
Life Insurance Products
Term Life Insurance - An economical type of life insurance; provides death benefit coverage and premium payments are guaranteed to remain level for a specific period of time. Request a quote Comparison Chart
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Renaissance Insurance and Financial Group utilizes internet-based and phone communications for all inbound inquiries with a combination of email, and remote assistance for an expeditious resolution. No more waiting at home for an agent which never shows, or being inconvenienced by a face to face interview. Our clients have embraced our proven support model because it provides a very high level of service while maintaining a very effective service structure. Please call or email for annuity, health, life, and personal insurance. For as low as $1.00 per day you can insure and protect the ones you love. Call Now for a FREE Quote! WE WILL BEAT ANY QUOTE OR REDUCE ANY RATE YOU ARE CURRENTLY PAYING!
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Life Insurance Articles
It may seem simple with few factors such as policy amount, age, and health to figure your rates, but you may be surprised. If you're looking for more information on life insurance, please read our life insurance articles.
How To File A Claim
It's not difficult to file a claim for life insurance, but anything can be made harder with the loss of a loved one. We've put together a quick information page to help answer your question of how to file a claim on life insurance.
Short Term Life Insurance
Short term life insurance usually is for a few years at a time and the rates through that time are fixed and will not change. It's one of a few options people often consider to save money.
No Exam Life Insurance
For those that are either restricted on time or simply don't like the though of taking a physical for life insurance, there are are options for no exam life insurance. This is a route some people take who are worried about the results or just don't want the exam.
Life Insurance For Children
Children's life insurance comes in two main forms which are "whole" and "term". There are many features and options between these two. In some cases they can borrow against their policy in later years and you have to also look at how the policy changes as they age. Read more on life insurance for children.
Whole Life Insurance
No exams, no questions, standard rates regardless of age, and guaranteed interest are some of the features you can expect from whole life insurance. One negative would be what could be considered high premiums, but if the features are what you're looking for, it might be right for you!
If you have experienced health problems, our Graded Death Benefit Term and Graded Death Benefit Whole Life products are designed to provide up to $250,000 of life insurance coverage. Coverage increases in years one and two with full coverage starting in year three.
With our Graded Death Benefit Term and Whole Life Plans, there are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.
The Graded Death Benefit Term Life product provides a level premium to age 80 or 20 years, whichever is later. The death benefit is level for years 3 to 10 and then reduces to an amount the premium will support each year thereafter.
Graded Death Benefit Whole Life is a level death benefit after year 2, level premium whole life policy paid up at age 120. It provides cash values and standard non-forfeiture options such as cash loans, paid-up insurance and automatic premium loan (APL).
*Occasionally a medical exam, test or report will be ordered to assist a customer in clarifying or correcting an item of medical history.