This link will take you to my Ethos page where you can get a quote and apply.  There will be several options to pick from, refer to the descriptions below to help you in picking the correct option.  Prices May be a bit higher but, the underwriting will be faster and easier than a traditional application.


Do you want                                       Select


Strait Term                                         Term  

As you go through the application this option will take you to the best deal available with the easiest underwriting based on the answers you give on the application


Whole Life                              TruStage Advantage

up to 100K

This is a traditional whole life policy.  These secure a lifelong premium that never goes up and builds a cash value.


Final Expense                            Simplified Issue

This is a Simplified issue policy of up                 Whole Life

to $20,000 for people that want a policy to cover final expenses. 


Guaranteed Issue                  TruStage Guaranteed

Final Expense                       Acceptance Whole Life 
This is a guaranteed final expense plan that has no healthcare questions.  Except for accident, the full death benefit does not pay for the 24 months. 


While 84% of Americans surveyed agree that they need life insurance, less than 60% of them actually have it, and 40% wish that they had more coverage.


Factoid

 You do not have to die for life insurance to work.

​​

70% of the US population will suffer a critical, or chronic illness such as Heart Attack, Stroke or Cancer by the time they are 65. Most will live, but many will be financially crippled in the process.


Life Insurance can protect your family and business!


“Living Benefits” can keep your family financially strong in times of financial stress.


Factoid

33% of people surveyed say they don't have enough life insurance including 1/4 who already have a policy.​​

Life Insurance

Factoid

Factoid

Life turns on a dime. You have no idea when you’ll “need” insurance. That’s why it’s important to plan ahead.


Life insurance may be one of the most important purchases you’ll ever make


Can Cover:  Cancer, Heart Attack, Stroke, ALS, End Stage Kidney Disease, Major Organ Transplant, Blindness, Major Burns, Loss of Limb, Paralysis, Severe Central Nervous System

Fax: 501-377-9880

Factoid

Phone: 501-259-5535

Factoid

Factoid

Factoid

Life insurance “you don’t have to die to use” can come to your rescue in case of critical, chronic, or terminal illness.


70% of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died.


Call for a Quote

or

Apply for Life Life Insurance Online


86% say they haven't bought life insurance because it's too expensive, yet overestimate its true cost by more than 2x.​


​​Almost half of U.S. households are underinsured, with the average coverage gap of $200,000.


33% say they don't have insurance, including one-fourth who already have a policy


HEART ATTACK – 1,255,000 Americans suffer heart attacks every year. 17,600,000 Americans alive today have survived a heart attack! In the United States someone has a heart attack every 34 seconds







STROKE – Each Year 795,000 people suffer strokes every 40 seconds. Many end up with permanent disabilities.


CANCER – 3.5 million new cases a year. Average cost $146,000. Over 65% of expenses are indirect and not covered by traditional insurance. More than 13,500,000 people living today have survived cancer.Type your paragraph here.


50% of men and 33% of women in the United States will suffer from internal cancer during their lifetime

2.  Permanent Life Insurance

Level premiums:  Premium payment can remain the same.  In later years, premiums can be lower that term insurance.


To provide an accessible source of tax free 

funds:  Accumulates cash value that can be used for

retirement, college education, or emergencies.  

Tax advantages:  Properly funded and structured, can

provide a tax-free income stream and tax-deferred wealth

accumulation.


Types of permanent life insurance:


   Universal: has flexible coverage and premiums.

  • increase or decrease coverage


   Whole Life: guaranteed to give coverage for the

   insured's entire lifetime.

  • can accumulate cash tax-deferred
  • ​guaranteed death benefit


Many companies will allow conversion from

term to permanent insurance and vice versa



Life Insurance is Divided Into Two Broad Categories

1.  Term

2.  Permanent









1.  Term Life Insurance


Initial Lower Cost:  Premiums can be lower during the early years of coverage.


The Need for life insurance isn't permanent:  lasts for a limited, pre-determined number of years.  Commonly called "Time Insurance" because it provides for specific, short-term needs.


Convertible:  ​Option to switch to permanent life insurance coverage without having to show evidence of good health.