Ten categories. One of them is yours.
You do not need to know the difference between an indexed contract and a guaranteed one before you start. Find the line that sounds like your situation and the shelf narrows itself.
TERM
Cover my family for a set number of years
RETURN OF PREMIUM
Get my premiums back if I outlive the term
PERMANENT
Coverage that stays in force for life
ACCUMULATION IUL
Supplement my retirement income
WHOLE LIFE
Contractual growth on a tax deferred basis
LIFETIME INCOME ANNUITY
Income I cannot outlive
MYGA
A fixed rate locked for a set term
FINAL EXPENSE
Cover funeral and final costs
LONG TERM CARE
Pay for long term care
GUARANTEED ISSUE
Health issues have kept me from qualifying
TWO WAYS TO DO THIS
Handle it yourself,
or hand it to someone.
PATH A
Quote and apply online
PATH B
Work through it on a call
Replace Income
Protection for the people who depend on your earnings.
Term
Level coverage for a set period, usually 10 to 30 years. The lowest cost per dollar of protection.
Return of Premium
Term coverage that returns the premiums paid if you are still living at the end of the period. Costs more than level term.
Final Expense
Smaller permanent coverage sized for funeral costs and closing expenses. Simplified underwriting.
Guaranteed Issue
No health questions and no exam. Acceptance is not dependent on medical history. Benefits are typically graded in the early policy years.
Build Value
Permanent contracts that accumulate cash value you can access during your lifetime.
Whole Life
Fixed premium, contractual cash value growth, and coverage that stays in force for life. Dividends, where paid, are not guaranteed.
Accumulation IUL
Indexed universal life designed toward cash value rather than death benefit. Crediting is tied to an index subject to caps, participation rates, and floors.
All Lifetime Options
The full permanent shelf compared in one place when you are not sure which chassis fits.
Turn savings into income
Annuity contracts for money that is already accumulated.
Lifetime Income Annuity
Converts a lump sum into payments that continue for as long as you live, backed by the claims paying ability of the issuing carrier.
Multi Year Guaranteed Annuity
A fixed interest rate locked for a stated number of years. Often compared against certificates of deposit. Surrender charges apply during the term.
Pay for care
Coverage for extended care costs that health insurance does not address.
Long Term Care
Traditional and hybrid designs that fund in home care, assisted living, or nursing care. Benefit triggers and elimination periods vary by contract.
Three steps, and you control the pace of all of them.
Step 1 - QUOTE
Enter your date of birth, state, health class, and the amount you have in mind. Pricing from multiple carriers returns immediately. Nothing is submitted and no one is notified.
Step 2 - APPLY
When a number looks right, the application runs online. Many term cases are approved without a paramedical exam. Larger or more complex cases route to full underwriting.
Step 3 - Place
The carrier issues, you review the contract, and coverage takes effect once the first premium is paid. You have a free look period to change your mind.
One licensed producer, not a call floor.
East Two West is an independent insurance practice. There is no lead vendor selling your information forward and no rotating queue of agents. When you request a call, you get me.
Independent means the carriers compete for your case rather than the other way around. I am compensated by the issuing carrier when a policy is placed, which is disclosed here rather than buried, so you can weigh it.
If the honest answer is that you do not need a policy, or that the coverage you already hold is fine, that is the answer you will get.
Producer: Steven “Jib” Hunt