Making sure your life insurance needs are met, considering your financial situation, current health, and stage of life is what do here at Family First Life Mid-Atlantic. We service the entire state of Maryland, along with surrounding states, from our headquarters in Crofton, MD. We specialize in Final Expense Life Insurance Plans for Seniors, Mortgage Protection, and Retirement Income Planning. Each person’s situation is different and we have a team of well trained and knowledgeable agents that are able to use the many carriers we are partnered with to fit a plan that is perfect for the individual. The reason we have so many partnerships is because we believe in providing the best possible solution for our clients, and we know that no single company has the best plan for everyone.
Searching for the perfect plan for you and your family can be a confusing process, especially with the different types of life insurance policies out there. No one wants to misread the details of a policy and end up with the wrong plan for their needs. That is why we are here. We have already done the research to find the optimal plan in the industry for each type of situation. If you are concerned that you will not be able to find a plan due to your health, we have a solution that will guarantee coverage. Perhaps you feel most plans are too expense, we have solutions with the lowest rates industry wide. Maybe you want to grow your money and capitalize on the tax advantages associated with life insurance; we have access to the fastest cash accumulation product available. What ever situation you find yourself in, we have found the one that fits. All you have to do is call us or fill out the form on any page, and we will be able to tell you which plan would work. The conversation and the plan are completely free with no obligation attached. Whether you are simply looking for a quote or you would like a full plan, we can provide your ideal case at absolutely no charge. So don’t hesitate to reach out.
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Final Expense Plans
These policies are ideal for those individuals just looking for a small amount of money to pay off the costs associated with death. Funerals, on average can cost nearly $10,000 dollars. We have found that the Mid-Atlantic area has some of the priciest funeral costs nation wide at over $14,000 on average. With these
final expense insurance policies, clients can have the peace of mind that when the time inevitably comes, there will be no financial stress associated with the planning of the funeral. These policies can be guaranteed regardless of health and do not require health exams. These policies also come with living benefits if you were to become ill. These living benefits could be used to pay for medical bills or other living expenses.
If you own a home and you are worried about what might happen if you are no longer around to pay the mortgage, this plan is for you. These temporary policies are put into place while your mortgage is being paid off. If structured properly these policies can be used to pay off the mortgage early. The reason they can be used in this way is because at the end of the term you receive a check for every dollar you put into the policy. These policies not only protect your family if you are not around, but they can also be used if you become ill and are no longer able to pay the bills. Up to 100% of the policy’s death benefit can be accessed to pay for bills if you are ill. These policies do not require a medical exam and can be put into place on the day the application is sent in.
Retirement Income Protection
Most individuals who are approaching or at retirement become worried that they may not have saved up enough money to live off of for the rest of their life. Our solution to this fear is to provide guarantees. It is a widely accepted rule of thumb to have a guaranteed portion of your investment portfolio that is equal to your age plus ten. Typically, as you approach retirement age, it is important to have 60-70% of your assets in guaranteed income. Our solution to this is called a
Fixed Indexed Annuity. It is the newest and fastest growing retirement income vehicle in the country. It allows a person to participate in the upside of the market, and guarantees there will be no losses. They typically come with an immediate bonus and can be turned into guaranteed lifetime income if you want.
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Retirement Income Planning
Some life insurance policies serve a dual purpose. With an indexed universal life policy you can have the security of putting life insurance in place while, at the same time, growing cash value that will one day be able to provide supplemental retirement income. These policies are a powerful tool that, if designed properly, can both create a legacy and provide a steady stream of income in retirement years. These policies come with living benefits, cash value, and the option for an increasing death benefit. In some cases, a medical exam will be required.
Accidental Life Insurance
We are a full service agency that can provide any type of life insurance, even if it is only for the unexpected. These policies are the most inexpensive form of life insurance. The plans will last a temporary period of time as with any term policy, but they will only cover a person if the cause of death was an accident.
Children’s Whole Life
If you are looking for an affordable solution to set your children up for the future, these policies can be a great option. Our kids have many options when it comes to life insurance because of health underwriting and the low rates, but if you are looking for a low cost way to provide your child with a policy so they will not have to make this choice in the future, these plans can be a solid option.
Simple Term Insurance
If you have a lot of liabilities at the moment and only need the insurance to cover you while those liabilities are large, these plans can be a good option. Term insurance is typically low cost relative to the death benefit associated with them. There are a lot of different plans that fall under this umbrella. Some plans require a medical exam, and others do not. Some have living benefits, some only have the death benefit. The term insurance plan you choose will be based largely on your goals, so make sure to inform us of them so we can guide you properly.
Supplemental Health Plans
Dental, Vision, and Medicare supplement plans are good for retirees and those individuals who are not subscribed to an employers group plan. Our agency has access to the best carriers in the Mid-Atlantic region. The quality of each plan varies from state to state due to regulations and plan availability, but we have hand picked the best options for our market. If you need something to fill a gap in your current coverage let us know and we can make the recommendation that fits.
Identity Theft Protection
This form of protection comes at a low monthly cost and has a reimbursement amount of up to 1 million dollars. It covers all types of ID theft, provides restoration services for all types of identity theft events. These events include financial fraud, medical ID theft, tax fraud, social security fraud, criminal activity, child identity theft, benefits fraud, employment fraud and title fraud.
The protection comes with several forms of monitoring such as personal information and dark web monitoring, social security number monitoring,
change of address monitoring, and court records monitoring. You will receive data breach updates, 24/7/365 customer and recovery services, unlimited restoration services, wallet protection, and much more. Contact us today for a special 10% discount. Or Click Here
If you are the type of person who understands the power and flexibility of having access to many different products and carriers, then we are the people to call. We understand that no person’s life situation is identical to the next. We also understand that picking the right option can be a tedious and time consuming process. That’s why it is necessary to streamline the process with an agency that has done the work for you. From Crofton, we can provide you with the tailored plan that fits you and your family. We can meet you in person, online, or over the phone. Just give us a call or fill out the form so we know you need our help.
Not only are our consultations 100% free, but we also offer promotions! We understand that these plans may not be ideal if you already have something in place, but there must be someone in your life that may dearly need these services. Perhaps the person hasn’t been able to find the right plan for them yet. As time passes the rates only go up, so it is important that this sort of thing is taken care of and we are the right agency to do it. Ask us about our referral promotion when you reach out.
Give us a call today to move one step closer to plan that is best for you!