Life Insurance

Find Term, Whole Life, Final Expense, and Universal Whole Life insurance plans with more than 10 A+ rated insurance carriers. Receive an instance quote today.
Life Insurance
family

Do I need life insurance?

Life insurance is an essential part of any financial program. Most people buy life insurance to replace income that would be lost at the death of a wage earner. The cash provided by life insurance also can help ensure your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents won’t have to sell assets to pay outstanding bills or taxes.

How much life insurance do I need?

Before buying life insurance, you should bring together your personal financial information and review your family’s needs. There are a number of factors to consider when determining how much protection you should have. Including:

  • Any immediate needs at the time of death, such as final expenses, burial costs and estate taxes;
  • Funds for a readjustment period, to finance a move or to provide time for family members to find a job,
  • Ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement.
insurance

Experts Sayings

Whatever excuses you may have for not buying life insurance now will only sound ridiculous to your widow

Anonymous

If there is anyone dependent on your income – parents, children, relatives – you need life insurance.

Suze Orman

Award Winner Financial Advisor

You don’t buy life insurance because you are going to die, but because those you love are going to live.

Anonymous

Most Popular Plans

7 out of 10 clients above the age 50 bought an accident and Illness plan.

 

final expense

Final Expense

Type of Whole Life insurance plan that pays for funeral and medical expenses upon the insured’s death. Some plans are guaranteed issue regardless of medical conditions.

hearth health

Accident and Critical Illness

Cancer, Heart Attack, or Stroke insurance plans offer great coverage for the unexpected high medical bills. These plans will reimburse you a cash lump sum after an accident. 

starting young

Term Life Insurance

You can purchase multiple term life insurance plans with different carriers at different ages. The younger you are the lower is the premium. 

How it Works?

Find a policy that matches your coverage needs. Do not hesitate to contact us with any questions.

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We offer policies with multiple carriers to give you more choices

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You will be contacted by the underwriting team soon for any questions

Frequently asked questions

What is a Term Life Insurance Policy?

Term life insurance is “pure” life insurance. The policyholder pays premiums regularly, for a set period of time, usually between 10-30 years. If they die while the policy is in effect, their beneficiary (or beneficiaries) receives a death benefit payout.

What is a Whole Life Insurance Policy?

Whole life insurance is a type of permanent life insurance that stays in effect for your entire life. This means you never have to worry about uninsurability or losing your safety net as you get older. Whole life is more complicated than term because of its cash value, which is an investment-like product coupled with the insurance policy.

What is a Final Expense Insurance Policy?

Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses upon the insured’s death. A final expense policy is also known as burial or funeral insurance and is popular with seniors.

Can I Have Multiple Beneficiaries?

Yes. You can add multiple beneficiaries  and choose how would you like to split the life insurance payout. You can also change these beneficiaries at any time during the policy lifetime. 

Life Insurance:

Choosing the best term life insurance for your needs can be a difficult task. You want a policy that fits your needs, but at the same time is affordable. When considering a term life insurance policy, it is important to consider your financial situation and the age of your beneficiaries. For example, you may not need as much coverage as you think if you have young children or a spouse who works from home. However, you may need enough coverage for your family to cover the costs of your funeral and/or the costs of caring for them if you die during the term of the policy.

While choosing a term life insurance policy, it is important to consider how long you plan on using it. You can buy a policy that lasts for the rest of your life if you have enough money. A 20-year-old would be a good choice for this type of policy, as it would provide enough coverage for his or her education. But a 10-year term might not be enough for daycare and college costs, nor will it cover lost wages.

You also need to consider the type of coverage you want. A term policy with a higher deductible will cost you more, but you’ll be able to pay it off faster. Another option is a Ladder-style plan, which allows you to adjust the policy limits at any time. But make sure you read the fine print before buying. You can always change the policy limit later. This is a great feature if you’re concerned about the amount of coverage you need.

Term life vs. Whole life:

Features

Duration
Cost
Guaranteed death benefit
Guaranteed cash value
How cash value grows
Premiums
Risks

Term Life Insurance

1 – 30 years
$25-35/month
Yes
No
N/A
Can increase periodically or stay level for the policy duration
No risk of losing coverage, but no cash value when the term ends

Whole Life Insurance

Life
5-15x more than term
Yes
Yes
Earns interest at a predetermined fixed rate
Level
No risk compared to other permanent types, but you may find better investment

Duration

Term Life Insurance: 1 – 30 years
Whole Life Insurance: Life

Cost

Term Life Insurance: $25-35/month
Whole Life Insurance: 5-15x more than term

Guaranteed death benefit

Term Life Insurance: Yes
Whole Life Insurance: Yes

Guaranteed cash value

Term Life Insurance: No
Whole Life Insurance: Yes

How cash value grows

Term Life Insurance: N/A
Whole Life Insurance: Earns interest at a predetermined fixed

Premiums

Term Life Insurance: Can increase periodically or sat level for the policy duration
Whole Life Insurance: Level

Risks

Term Life Insurance: No risk of losing coverage, but no cash value when the term ends
Whole Life Insurance: No risk compared to other permanent types, but you may find better investment

Have Questions?

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Based on 19 reviews.
Cassandra Heitman
Cassandra Heitman
March 14, 2022.
Verified
It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.
arron draper
arron draper
January 8, 2022.
Verified
I worked with Tarek to find a suitable Medicare plan for my husband. We got it handled in one phone call. I was so impressed! Now I am becoming eligible for Medicare and worked with Tarek again. He was amazing! We found an affordable plan that meets all of my needs. I highly recommend him and will use his services again in the future.
Erika Vevang
Erika Vevang
January 5, 2022.
Verified
I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!
Kyle Lanza
Kyle Lanza
January 4, 2022.
Verified
Healthcare.gov can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.
Jeffrey Walker
Jeffrey Walker
December 30, 2021.
Verified
This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.
Craig Baglien
Craig Baglien
December 19, 2021.
Verified
Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.
Peter Ward
Peter Ward
December 15, 2021.
Verified
Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.
JeongHun Paik
JeongHun Paik
December 14, 2021.
Verified
Very professional and trustworthy! As all the other reviewers posted, Tarek did an awesome job! Thank you!
Paulina Pietras
Paulina Pietras
December 11, 2021.
Verified
Jessica Wheeler
Jessica Wheeler
December 11, 2021.
Verified
Tarek El Ali was amazing! He is so helpful and I finally have an insurance plan that I truly believe is right for me! Thank you!! Highly recommended!

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