MORTGAGE PROTECTION
Safeguarding Your Most Important Investment
- Pay off home if you pass away/become critically ill or disabled
- Buy time for a family member so they don't lose the house
- Premiums never increase
- No Medical Exams!
Traditional Mortgage Protection
Equity Protection
Indexed Universal Life Explained
An Indexed Universal Life (IUL) policy is a versatile financial tool that combines life insurance coverage with the potential for tax-deferred cash value growth. Designed for individuals seeking a balanced approach to protection and wealth accumulation, IUL policies allow you to enjoy the benefits of market performance while safeguarding against downside risk.
Thomas E Bailey
Licensed Broker
National Producer Number: 1071036
- [email protected]
- 808-318-9234
- NPN#1071036
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Understanding Mortgage Protection
Mortgage protection insurance acts as a safety net, settling your mortgage in the event of you passing away, becoming critically ill, or disabled. The policy's death benefit aids beneficiaries in paying off the mortgage amount.
Death Benefit
If you pass away, a death benefit will pay out to the beneficiary of your choice.
Critical Illness
Accelerate up to 100% of your death benefit if you have a heart attack, stroke, cancer, or have any other living benefit qualifying event.
Disability Coverage
There are 6 daily living activities (eating, bathing, clothing, toileting, transferring, or medicating). If you need assistance with 2 of the 6 major daily living activities and can prove it with a doctors note, you can accelerate up to 100% of your death benefit.
Term, Cash Back, or Permanent Options Available
Term– Covered for 10, 15, 20, 25, 0r 30 years. Cheaper rates.
Cash Back– Term that gives a 100% refund of premiums to insured if they out live the term of the policy
Permanent– Whole life or IUL coverage that will gain cash value and is designed to last until age 120.
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