NAAIP Advertisement
NAAIP Advertisement
Life Insurance INSTANTLY delivers Financial Security

As you well know, the journey of life is usually filled with uncertainty. Though it is human nature to avoid the truth when it comes to our own mortality, the fact is not everyone lives to a ripe old age. That's why life insurance is actually a necessity, not a luxury. The proceeds are always paid TAX-FREE to the beneficiaries who are usually heirs of the insured, but for purposes that may vary from person to person. You may want your family to continue to live the lifestyle that they are accustomed to, or you could want your children to be able to attend a college of their choice.

Regardless of the reason, the question then becomes: "If you die prematurely, does your family already have enough savings to accomplish their financial goals TODAY?" Unless the answer is an emphatic "YES", you need life insurance. For "pennies on the dollar", nothing buys you more peace-of-mind than this type of coverage!
There are only two scenarios of what life could be like for your family without you. Which scenario do you think THEY would prefer if given a choice? There are many reasons it pays to be prepared. However, you don’t need to take our word for it. For the sake of your loved ones, take a few moments to view and listen to just one or two of the following real-life experiences. The videos provided below are not TV commercials... they were made by people who are just like you!
Insurance policies for executives and business owners are also available. We even have a division that caters solely to people with serious health conditions, especially type 1  or type 2 diabetics. Whether you're in great physical shape or been turned down for coverage in the past, you should speak to one of our representatives as soon as possible!
Don't have time to speak to an agent? Learn how you can apply online now for life insurance from a top-rated carrier with NO physical exam!

Do you know that some insurance laws and plan prices differ from state to state? Our agency is licensed in various states. We will help you get the best plan for your money, wherever you happen to live in these states.

No matter what type of insurance you are looking to buy, it is important to us that you get it right the first time. This could save you a lot of stress - and possibly a small fortune as well.

There's no need to feel intimidated by insurance language or jargon. Our agency provides all types of term, whole life and hybrid policies from most top-rated companies and rest assured we'll explain any of them in plain language you can understand. 

The Cost of Waiting

Not only are your needs a priority to us, but also the needs of your family. If you viewed even one of the above  "real-life experience" videos, you know how putting off this essential coverage can place your loved ones in a very precarious financial situation. Anything can happen at anytime whether it is a terminal illness or a fatal accident.

When an income earner of a household dies prematurely, it results in a "double tragedy"... their surviving family loses both a loved one and an important source of their financial support. No one can guarantee they are exempt from the first tragedy. However, anyone who is eligible for coverage can avoid the second tragedy with enough life insurance.

Finally, there are two undeniable truths you should also consider: 1) Though you could be perfectly healthy today, you may not be tomorrow and 2) you will definitely not be the same age next year as you are now. The cost of your policy premium will usually be dependent on your health and age at the time of your application. The longer you wait, the higher the cost will become! Even worse, you could be declined for coverage and declared "uninsurable" if you unexpectedly develop a serious illness or chronic condition. In this case, most or all companies will foreverreject any future application you submit. Save yourself from these negativeconsequences and lock-in your low rate today while you're still young and healthy!
Mortgage Protection

Taking out a mortgage can be a scary proposition when you owe hundreds of thousands of dollars to the mortgage holder. What happens if a family breadwinner suddenly passes away and a substantial portion of the mortgage remains unpaid? Unfortunately, the family is forced to move out of the home and significantly lower their standard of living in most cases. Mortgage Protection insurance covers this potential financial disaster. Most of these plans also offer an option for extremely affordable disability coverage. Did you know that disability is 16 times more likely than death to cause a home foreclosure?*

Our plans have premiums that will never increase and benefit amounts that never decrease as long as the policy remains active. The coverage we offer should not be confused with the type that has a benefit paid to the bank when the mortgage creditor is designated as the beneficiary.
In contrast, our plans favor the borrower. If the homeowner dies during the policy term, the insurance company pays the tax-free benefit directly to a beneficiary who is usually a spouse, co-borrower or member of the family who lives in the same homeAlthough there are no restrictions imposed on beneficiaries regarding how to spend the benefit proceeds, it is typically used to payoff the mortgage balance so they can afford to remain in thehome.
*U.S. Federal Housing Administration 
Your PREMIER OPTION representative can also calculate the benefit amount you’ll need to protect your own family with life insurance, or feel free to use this link. For a free quote, you may call us toll free at 1-888-234-7826, email 
Click Here to View Your Agent's Computer Screen from a Secure Website. (requires phone conference & login code)
DISCLAIMER: Any quote generated from this website is an estimated figure and should be used for comparison purposes only. For the most current plan information including premium amount(s), please contact a representative toll-free at 1-888-234-7826.

Click on the banners below to check out these great sites »



NAAIP Advertisement

Contact Us Today

Name *

Phone *

Email *



Toll Free: 888.234.7826
Office: 888.234.7826
Cell: 973.303.5455
Agency Hours:
Weekdays: 9:00am - 7:00pm
Weekends: By appointment