Taking care of what's most important.
Life insurance helps you protect your loved ones when they need it most. Many consider life insurance as a core to sound financial planning. Our agency has written cases with a face value of thousands to as high as 10 million. No matter your financial situation, we can get the best possible coverage for you and your loved ones.
Be prepared for life's uncertainties.
One thing you can be certain about is that your family will be financially secure in the event of your passing. While it's not an easy topic to talk about, life insurance is essential if you want to leave behind a legacy, not financial burden.
Life insurance is a way of helping your family cope financially when you die. It's intended to provide help to your loved ones when they can't rely on your salary or income any longer. The pay-out can be used to clear debts, pay off the mortgage or just cover everyday expenses.
Custom insurance plans
with great benefits.
Life insurance is not a "one-size-fits-all" product. In addition to personalized plans tailored to your particular needs, we also offer the following.
We're not an anonymous online insurance agency - we're Richmond area natives here to help protect the assets of our beloved neighbors and their loved ones.
We specialize in tailored insurance policies that protect our clients and their families. As an independent agency, we are able to do the "shopping around" for you to find the best coverage at the most competitive rate.
Our agents are licensed and go through rigorous training. Our office has a combined total of 110 years experience in the insurance industry. You can trust that you're in good hands with us.
Founded in 1989, we've been serving the Greater Richmond area (and beyond!) with compassion and expertise for more than 30 years.
Annual reviews are crucial to preventing vulnerabilities in your policy. We'll ask you about any financial or asset changes so you can rest assured your family is properly protected.
Even though you file your claims with the insurance carrier directly, we're here to guide you through every step of the process and fight on your behalf if it comes to that.
What does life insurance cover?
We will tailor your life policy based on your specific needs, but here are some of the most common coverages that come with a life insurance policy.
Life insurance provides help to your loved ones when they can't rely on your income anym. beused to clear debts, pay off the mortgage or justeveryday expenses.
Basic life insurance policies will cover funeral and other burial and preparation services.
Even debts that aren’t co-signed by a family member or loved one may become their financial responsibility after your death. Life insurance helps cover those costs.
Life insurance can cover the cost of estate planning following one’s death, such as securing an attorney to close out remaining accounts, and paying taxes and legal fees.
Your questions answered.
Here are some of our most frequently asked questions regarding auto insurance policies.
The amount of life insurance you need will depend on many factors, including your current financial situation. A good place to start is to multiply your annual salary by the number of years left until retirement. You'll want to make sure you have at least enough to cover any debts, such as car loans, mortgages, credit cards, and loans, plus interest.
How much you pay for your policy depends on the amount you're insured for, the type of policy, your age and general health, and other details. When you inquire with our life insurance experts, they'll ask you questions about your circumstances and walk you through your options. Life insurance can be more affordable than you might think!
If you own the policy, then you can name whoever you want as the beneficiary. While many people choose only their spouse, it's possible to name more than one person as a beneficiary. For example, if you have a $100,000 individual life insurance policy, you could name your spouse and four children to share in the policy equally at $20,000 each. You can also name a non-profit organization as a beneficiary!
There are many options for life insurance. None of them are necessarily "better" than the other, but they just depend on your specific needs. Before you commit to a policy, we'll walk you through all of your options to make sure you're comfortable with the investment and how it works with your long-term goals and budget.
While it's true that life insurance gets more expensive as you age, life insurance for seniors might cost less than you think. The best way to know if it will fit in your budget is to get in touch with us for a free quote.
It's a question that nobody wants to ask, but it's good to know. Most types of death are covered by life insurance, including suicide. The majority of insurance companies cover suicide, so long as it occurs after the exclusion period. For suicide, that period is typically 2 years. If suicide does occur within those 2 years, the policy would instead be voided and the premium you paid into it would be refunded, rather than the death benefit being paid.
The only types of death that aren't covered are when you falsify information on your life insurance application, have risky hobbies like bungee jumping, or if your beneficiary murders you.
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