With us at The Moore Agency, we want to make sure you have all the information you need to confidently make the best decision for your family. As mentioned, we are partnered with over 40 insurance carriers that way we can provide you with a completely customized plan, providing the coverage you need. Whether you're deciding between life insurance, looking for mortgage protection services, or needing to secure final expense options, our team of highly certified and trained agents are here to help you decide which qualified insurance plans checks all the boxes for you.
Typically, the mortgage is every American family's biggest investment and expense. Mortgage protection insurance is more than just a safeguard, it's an investment into your family's future. With the proper coverage you can rest easy knowing your family will never lose their home, even if the unthinkable tragedy should occur.
Final expenses are costs that arise at the time of a person's death, that may include burial costs, day to day costs, and final medical bills. Final expense is a whole life insurance policy designed to off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unexcepted costs.
Term life insurance is considered the most affordable form of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health. Many term life plans can be purchased without the need for a physical exam. We offer several term life options so that the coverage you select best matches your needs.
Universal Life is a permanent life insurance option with flexible premiums and adjustable benefits. In addition to it builds cash values, which can be used for children’s educations, it can supplement retirement income and/or be used for incidental expenses. This plan is considered to be the most flexible type of life insurance with living benefits.
Accidental death insurance provides financial benefits in the event of accidental caused death. It's not life insurance, but it can supplement a life insurance policy by providing additional protection in the event of accidental death with a stand-alone policy or added as rider. An accidental death is a death caused by an unintentional, unforeseen event, typically resulting from a mishap or accident, such as a car crash, or a slip and fall. It's distinguished from deaths due to natural causes or sickness.
Critical illness coverage provides a lump-sum payment that's a tax-free benefit to the insured individual upon diagnosis of a specified critical illness, regardless of other insurance coverage or expenses. This payment can be used for any purpose, such as medical bills, childcare, or lost income, offering financial flexibility during a difficult time. Critical illness insurance provides coverage for conditions like a heart attack, stroke, or diseases such as cancer.
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