Welcome to InsuraBull Life Insurance Agency, Family Protection | Mortgage Protection | Final Expense

June 24, 2024

9:00am – 6:00pm

Monday to Friday

400 W Cummings Park, 1725-233

Woburn, MA 01801

Family Protection

LIFE INSURANCE FOR ALL THAT MATTERS TO YOU

It is important that everyone knows how to best protect their family. With this being said, one of the things that you should take into consideration is the life insurance you have for your family. There are different options and one of those is called family life insurance.

There are many different reasons why someone should carry life insurance. It is difficult to know what the future will hold. This is why it is always best to be prepared for all situations. While it might be difficult to think about yourself or anyone in your family passing away, this is something that needs to be considered. Having life insurance for everyone in your household can help to support the rest of the family if someone does pass away. You can get the help that you need to find the family life insurance policy that is best for you and your family.

family with life insurance plan

Protection Benefits

  • Death Benefit up to $2,000,000 TAX FREE
  • Rates Never Increase
  • Coverage Never Decreases
  • Coverage Is Portable
  • You Are Paid Directly From The Insurance Company
  • Critical Illness – you can accelerate your benefits with the diagnosis of cancer, heart attack, stoke
  • Chronic Illness – if you become disabled, you can accelerate your benefits
  • Terminal Illness – if you get diagnosed with a terminal illness, you can accelerate your benefits
  • Disability Rider – stop paying premiums. You still receive coverage for the length of the term
  • Child Rider – each of your kids can receive up to $25,000 in coverage until the age of 23
  • Peace of Mind with very affordable rates

FREQUENTLY ASKED QUESTIONS

WHAT IS WHOLE LIFE INSURANCE?

Whole life insurance will last for the lifetime of the policyholder. If you only had term life insurance, this would last for a set amount of years. With whole life insurance, if you continue making all the payments on your policy, the payout would be given to the beneficiaries that you have listed on your policy after you pass away. This type of insurance is beneficial for covering death expenses and allowing cash to build up. The cash that builds up could be invested or even accessed while the policyholder is still alive. It is possible to borrow against these policies.

SHOULD MY WIFE ALSO HAVE A POLICY?

Family life insurance generally will include the coverage that you need for your spouse. You can get add-ons for your children or spouse. However, it is often recommended that you get a policy for each member of your family. These policies would be called a rider. They offer limited protection. While getting a rider is an affordable way to get life insurance for your family, you should consider how much coverage you are going to need for each family member, as well. It might be best to consider getting extra coverage to help support the family after one member has passed away. Getting supplemental life insurance might be your best option.

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SHOULD MY CHILDREN HAVE A POLICY?

If you are becoming a parent for the first time, there are going to be many responsibilities that you face. One of the things that you should do is to get family life insurance. This will help you and your life partner to prepare for worst-case scenarios. It can be difficult to think about. However, it should be done. Getting a family life insurance policy as a new parent can help to reduce financial stress concerns if anything does happen.

GETTING LIFE INSURANCE FOR A STAY-AT-HOME-PARENT

One of the parts of family planning that many people don’t consider is life insurance. Many people will only get life insurance for the family’s breadwinner. While that is important, it is just as important to get coverage for the stay-at-home parent, as well. There is a lot of financial value in stay-at-home parents. If the breadwinner of the family had to pay someone to do everything the stay-at-home parent does, this would cost a lot. This might including cleaning, childcare costs, and much more. The breadwinner of the family may not be able to leave their job due to financial reasons. Getting life insurance for the stay-at-home parent can help to make sure things are taken care of.

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GETTING LIFE INSURANCE WHILE PREGNANT

Many people won’t get life insurance until after they have a baby? However, it is just as important to get life insurance while pregnant. If a pregnant woman develops health issues, they could potentially be denied life insurance benefits. It is best to get life insurance before any health issues arise.

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WHAT IS TERM LIFE INSURANCE?

Term life insurance will guarantee a specific payment for death benefits to the beneficiaries that are on the policy. However, this is only the case, if the policyholder passes away within the specific term on the policy. Term life insurance doesn’t have any value or any savings components. The term life premium will be based on the policyholder’s health, life expectancy, and age. After the term is up, the policyholder can decide to renew it for a set term, convert it to permanent life insurance coverage, or let it terminate.

WHAT ARE LIVING BENEFITS?

Term life insurance with living benefits is a type of policy that offers life insurance coverage combined with living benefits. This type of policy is becoming increasingly popular among those looking for a more comprehensive form of life insurance.

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WHAT IS RETURN OF PREMIUM?

GETTING LIFE INSURANCE FOR A SINGLE PARENT

Single parents should make sure they have enough coverage on their life insurance policy in the unfortunate circumstance that they pass away. They need to provide the security that their family needs. There won’t be a parent to help take care of things if they pass away. However, with a life insurance policy, the friends and family members can use the money to help support the children if their parent passes away.

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GETTING LIFE INSURANCE DURING A DIVORCE

Unfortunately, there are high divorce rates around the country. In these instances, both parties need to consider getting their own life insurance policy, especially when there are children involved. Part of the divorce proceedings may actually state that each parent needs to carry life insurance to help support the children if the parent passes away.

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I thought PMI private mortgage insurance covered our home if one of us were to die. I found out that it protects the bank and not us. Thank you Scott for educating us.

I didn't realize that if I left my job, I wouldn't have coverage!
I just got married, bought a house and have a baby on the way. I cannot afford to not have coverage

Our agent Scott went over, above and beyond explaining what living benefits were
and how much of a benefit it is. Wonderful agent & experience. Very affordable coverage.

I have been worrying about what my wife and daughter would do if something happened to me.
I wanted them to be able to keep our home. My agent was very knowledgeable, professional and made the whole process very easy.

I was approved in a week with no exam. My agent Scott followed up
with me after the approval and went over how much policy would be. Great rate!

I feel great about working with Scott when I know handles the little things well,
it means if the big things come up, he will handle it easily.

Im surprised that it didn't take long at all. No medical exams.
I had coverage within a week! and NO harassing phone calls!

I’ve never had an experience like this, so patient, understanding and kind.
Scott, keep that up. Educating the customers is invaluable.

… simple, easy, and quick

I had gone back and forth with a few companies. My real estate agent recommended you,
and you were the least expensive, and honestly treated us better than the other companies did. Thank you Scott!

… great coverage and price

Everything was simple, professional and cost effective.
I got the protection that I wanted, at the price I had hoped for.

$300,000 for $76 a month - covered until age 80
Julie R. - Age 50 | Reading, Massachusetts

… i saved a lot of money

I had a plan that did not include living benefits.
My new plan included living benefits, and I also saved $20.00 a month

$300,000 for $104/mo - covered until age 80
Ben R. | Age 50 | Reading, Massachusetts

… you made it so easy

thank you Scott, you were great GREAT! You gave me very straightforward information
and didn't do a hard sell. I really valued your sincerity.

$250,000 for $56 a month - covered until age 75
Elizabeth S. | Age 55 | Boston, Massachusetts

… thank you for helping me

Thank you Scott for helping me find the best price policy.
You explained everything so well and I didn't feel rushed.

$250,000 for $79 a month - covered until age 75
Rich S. | Age 55 | Boston, Massachusetts

Get a life insurance quote online or call us at (888) 598-BULL

and get the satisfaction of knowing your loved ones will be protected.

Your information is safe and will never be sold

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