Life Insurance - Broad Creek Financial Services

Protect What Matters

Life insurance is for the living.

Create a legacy.

Make sure your family is protected when you are no longer here to take care of them.

What Can Life Insurance Do For Me?

Important Stats

Types of Life Insurance

Customization Options

FAQ

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What Can Life Insurance Do For Me?

INDIVIDUALS

FAMILIES

BUSINESS OWNERS

Protect against catastrophic financial losses from health care costs

Cover final expenses

Replace income during period of disability

Fund retirement

Pay accelerated benefits for a terminal illness

Protect against catastrophic financial losses from health care costs

Cover final expenses

Replace income during period of disability

Fund retirement

Pay accelerated benefits for a terminal illness

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Provide income in case of premature death of breadwinner

Pay off mortgage so family does not lose home

Create an instant estate

Protect against catastrophic financial losses & bankruptcy from health care costs

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Provide funds to transfer ownership of a business to partner or family member

Tax-free wealth transfer between generations

Protect business income from loss of key-employee

Increase executive compensation package

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25%

Only 25% of consumers own life insurance.

The others have NONE.

80%

80% of consumers overestimate the cost of life insurance.

30%

3 out of 10 households are UNINSURED, and said they were NOT financially prepared for the death of a loved one.

50%

If a death occurred, 50% of families would need to make drastic or significant financial changes to survive going forward.

Types of Life Insurance

More About Types of Life Insurance

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:

Parents, spouses, mortgage repayment, income replacement, college funding.

Whole Life Insurance

Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.

Best for:

Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.

Universal Life Insurance

Flexible life insurance that changes premium and coverage amounts as your needs change.

Best for:

Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.

Burial & Funeral Insurance

Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.

Best for:

Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.

Kids Life Insurance

Help a child save for their future and lock in low insurance rates while they’re young and healthy.

Best for:

Guaranteed life-long coverage, protect child’s future insurability, funeral costs, accidental death, tax-deferred growth, wealth creation, college savings.

Types of Life Insurance

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:

Parents, spouses, mortgage repayment, income replacement, college funding.

Whole Life Insurance

Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.

Best for:

Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.

Universal Life Insurance

Flexible life insurance that changes premium and coverage amounts as your needs change.

Best for:

Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.

Burial & Funeral Insurance

Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.

Best for:

Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.

Kids Life Insurance

Help a child save for their future and lock in low insurance rates while they’re young and healthy.

Best for:

Guaranteed life-long coverage, protect child’s future insurability, funeral costs, accidental death, tax-deferred growth, wealth creation, college savings.

More About Types of Life Insurance

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.

Whole Life Insurance

Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.

Best for:
Parents, spouses, retirement savings, final expenses, gifts to children & grandchildren.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:

Parents, spouses, mortgage repayment, income replacement, college funding.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:

Parents, spouses, mortgage repayment, income replacement, college funding.

Whole Life Insurance

Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.

Best for:

Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.

Universal Life Insurance

Flexible life insurance that changes premium and coverage amounts as your needs change.

Best for:

Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.

Burial & Funeral Insurance

Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.

Best for:

Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.

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Retirement Income

Guarantee a monthly income during your retirement years.

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Retirement Income

Guarantee a monthly income during your retirement years.

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Retirement Income

Guarantee a monthly income during your retirement years.

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Retirement Income

Guarantee a monthly income during your retirement years.

Learn More

Term Life Insurance

Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.

Best for:

Parents, spouses, mortgage repayment, income replacement, college funding.

Whole Life Insurance

Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.

Best for:

Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.

Universal Life Insurance

Flexible life insurance that changes premium and coverage amounts as your needs change.

Best for:

Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.

Burial & Funeral Insurance

Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.

Best for:

Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.

Life Insurance is Customizable

Customize your life insurance to meet your needs by adding features to enhance its effectiveness.

Critical Illness

Use your life insurance to help cover costs of critical illness like heart attack, cancer, stroke and more.

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Accidental Death

Beneficiaries receive a double payout for an accidental death.

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Return of Premium Life Insurance

Get a check refunding your premiums after a specified period of time.

Disability Income

Add disability income to your policy to receive a monthly paycheck if you’re too sick or injured to work.

Children's Insurance

Add your minor child or children to your policy in case of premature death.

Waiver of Premium

If you’re disabled and can no longer work, your policy premiums can be waived so you can keep your life insurance while you can’t work.

Note: Not all products offer all options.