Quality Life Insurance From Trusted Carriers
"Imagine securing your family's future, no matter what tomorrow brings.
With a Term Life Insurance policy, we can put a substantial, affordable safety net in place for the critical years—think paying off the mortgage and funding the kids' college education—ensuring those major goals are met if you're not around. But let's also talk about the long game.
A Whole Life Insurance policy provides permanent, lifelong protection and builds cash value over time, which you could access later in life to supplement retirement income or cover final expenses.
The ideal plan often blends both: providing robust, temporary coverage when needs are highest, while simultaneously building enduring financial security you can count on. It's about achieving complete peace of mind, knowing your loved ones are protected both now and in the future".
Life Insurance Coverage in Burlington, Mebane, Graham, Durham, Raleigh, Greensboro, and Charlotte NC
Our term life insurance offers simple, affordable coverage
for a set period of time—typically 10 to 30 years. It’s a smart option if you want to protect your loved ones financially during key life stages like raising children, paying off a mortgage, or building savings.
With our a term life policy, you pay a regular premium
that keeps your coverage active. For most term life insurance policies, the premium amount stays fixed for the duration of the term.
If you pass away during the term, your beneficiaries will receive a tax-free lump-sum payment known as the death benefit. This payout can help with essential costs such as mortgage payments, daily living expenses, debt repayment, and college tuition.
Americo provides a range of life insurance products, the Instant Decision Indexed Universal Life (UL), as well as Term and Expense options. Their "instant decision" process utilizes an online eApplication and proprietary underwriting technology (such as MIB, Rx checks, and client) to deliver a coverage in minutes, eliminating the need for a medical exam or tests for eligible applicants.
Featuring
Americo Instant Decision Products
The flagship product in this series is the Instant Decision IUL, a form of permanent life insurance that offers both a death benefit and the potential for cash value accumulation.
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Permanent Coverage: Unlike term insurance, which covers a specific period, the IUL is designed to provide lifelong protection, provided the cash value is sufficient to cover insurance costs.
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Cash Value Growth Potential: The policy's cash value growth is linked to the performance of a major market index, such as the S&P 500®. A key feature is that the policy will not lose value due to poor market performance, offering a measure of protection against market downturns.
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Flexible Access to Funds: Policyholders can access the accumulated cash value during their lifetime through withdrawals or policy loans for any reason.
KEY HIGHLIGHTS
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100% Instant Decision eApplication: The entire application process is streamlined and completed digitally, providing an underwriting decision in a matter of minutes.
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No Medical Exams: For most applicants, no paramedical exams, lab work, or attending physician statements (APS) are required, simplifying the process significantly.
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Living Benefit Riders Included at No Additional Cost: The policies often include riders that provide early (accelerated) access to the death benefit if the insured is diagnosed with a qualifying critical, chronic, or terminal illness.
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Guaranteed Elements: The IUL product includes certain guarantees, such as a no-lapse guarantee (NLG) period and a minimum guaranteed interest rate for the declared interest account option.
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Additional Product Options: Beyond IUL, Americo also offers instant decision Term Life and Final Expense whole life products designed for specific needs like mortgage protection or covering final expenses.
For more specific information on products and rates, schedule a free consultation or request a call back.
American Amicable
Final expense, simplified issue, and standard life products
Available for certain final expense and universal life products up to certain face amounts
10, 20, and 30-year terms offered
Varies by specific company within the group
Specializes in final expense and no-exam life insurance
Corebridge Financial
Wide range of life insurance and annuities, formerly AIG Life & Retirement
Available for some products, but specifics vary
Offers various term lengths depending on the specific policy
High financial strength ratings (A- and bbb+ for AIG, now Corebridge)
Strong reputation in annuities and life insurance, now part of Corebridge
F&G
Broad life and annuity products
Available for some products, but specifics vary
Offers various term lengths depending on the specific policy
Varies by specific company within the group
Wide array of life and annuity products, including retirement-focused options
SBLI
Term life insurance with higher coverage and streamlined application
Available for qualified applicants through accelerated underwriting
10, 15, 20, 25, and 30-year terms are available
Excellent financial stability (A+ BBB rating)
Focus on value and a streamlined application process for term life insurance
Transamerica
Wide range of life insurance and financial products
Available for some products, but specifics vary
Offers various term lengths depending on the specific policy
Strong financial ratings (A rating and 84 COMDEX score)
Strong financial backing and a broad product portfolio
ONLINE LIFE INSURANCE
A modern, digital way to buy term and whole life insurance, focusing on a fast, online application that skips the medical exam, providing instant quotes and potentially same-day coverage from top carriers like Protective and Banner Life. Key features include simple online processes, no-pressure sales, free wills/trusts with eligible policies, and a 30-day money-back guarantee, though it has limited rider options and cash-value features compared to traditional plans.
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Application: You provide basic health and personal info through a quick online form, typically taking around 10 minutes.
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Instant Decision: Using predictive analytics, Ethos offers a real-time quote and decision, often without a medical exam.
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Coverage: You can get approved and covered on the same day, with licensed experts finalizing details.
Key Features
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No Medical Exam: Most term and whole life policies don't require a medical exam.
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Trusted Carriers: Partners with established insurers like TruStage, Protective, and Banner Life.
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Free Estate Planning: Offers free basic wills and trusts with qualifying policies.
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Commission-Free Agents: Provides unbiased advice with no pressure to upsell.
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30-Day Money-Back: A full refund if you cancel within 30 days.
Policy Types
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Term Life: Covers a specific period (e.g., 10, 20, 30 years).
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Whole Life: Permanent coverage with cash value accumulation.
Limitations
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Limited cash-value options.
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Fewer available riders (add-ons) for customization.
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Not available in New York.
Who It's For: It is ideal for people who want quick, easy, and affordable coverage for a set term or permanent needs, valuing convenience and transparency over extensive policy customization.
HAVE A LICENSED AGENT CALL YOU
Rather talk to an agent?
During your life insurance consultation, we will assess your financial goals and needs to determine the best coverage options for you.
A licensed agent will explain different policy types, benefits, and costs, ensuring you understand each aspect. We'll work together to create a personalized plan that provides peace of mind for you and your loved ones. Feel free to ask any questions throughout the process.
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