We know that as your family and assets grow so does your risk. This is why we offer
solutions that pay off your home, pay off your debt, pay for your funeral, and even
help replace and insure that your income will last as long as you are alive. Life

Insurance can do all of this.

We offer many different types of life insurance:


  • Term Life
  • Indexed Universal Life
  • Universal Life
  • Whole Life or Final Expense
  • Any of the above with Living Benefits (See Jessica's Story Video)


No matter the type you need, we got you covered. You can use life insurance for many different things:

  • Money to leave behind for your families well being
  • Money to use when you become ill with a terminal, chronic, or critical illness or critical injury
  • Income for Life - using tax free policy loans to supplement your retirement
  • College Funding for your child
  • Funding a buy sell agreement for a business buyout
  • Executive Bonus for key Employees
  • Premium Financing - leveraging funds to buy large amounts of life insurance
  • Mortgage Protection - paying off your home at death
  • Final Expense Planning - paying for your funeral/burial


Term
 ​Term life insurance has long been the financial product to which businesses, families and individuals have turned when they need large amounts of life insurance coverage at a minimal initial expense. Because it is “pure” insurance coverage –there is no buildup of cash value – term life insurance may be an ideal way to meet current, and often critical, insurance needs at affordable rates. This can be especially true for young families or new businesses just starting out. And with its built-in conversion feature, term life insurance is often used as a stepping – stone to a permanent plan. As its name implies, term life insurance provides coverage for a specified period of time – a “term” of years. Before purchasing this type of coverage, however, be sure that the term policy – and the company you select – can protect your options for both the short and long duration.


Universal life insurance  also known as fixed universal life offers a flexible premium with an adjustable death benefit and credits a fixed interest rate to the cash value within the policy. 


Indexed Universal Life
​Indexed universal life is a form of universal life insurance and is considered to be one of the most flexible types of life insurance. You can adjust the death benefit and the premiums you pay. This policy has the potential to build the most cash value of any life insurance policies that build cash value. You can build with this policy cash to suppliment your retirement or you may even be able to stop paying premiums because you have enough cash value.  Indexed Universal life polices can offer:


  • Death Benefit
  • Living Benefits like: Terminal, Chronic, Critical illnesses, and Critical injury
  • Upside Potential with Downside Protection from market loss for cash build up
  • Income for Life


Living Benefits (See Jessica's Story Video)
Medical conditions, illnesses or injuries, although not always fatal, can have a devastating impact on your lifestyle, your independence and your ability to earn an income. They can even deplete your savings in no time at all. Accelerated Benefits Riders are optional, some of the companies that we represent offer these at no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury. The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services. Since the benefit is unrestricted, once you qualify, you can use the benefit for any expense. Expenses might include, but are not limited to: - Household expenses - Adult Day Care - Home modifi cations - Regular bills - Nursing home care - Quality of life expenditures.  Click here  to see a client that used this benefit from one of the companies we represent​

Whole Life/Final Expense

Whole Life/Final Expense life insurance is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses, debts, and burial. We have simplified underwriting coverage and guaranteed coverage as well. 

​To see what coverage is best for you, contact us at one of the numbers listed at the bottom of the page. If you would like us to contact you click here to leave us your information. ​​

Protect Your Family with Life Insurance in Waco, Texas
Secured First Financial - Life Insurance in Waco, Texas

Life Insurance In Waco TX