Danielle Shepard The Insurance Drs

It provides coverage for a specific period (e.g., 10, 20, or 30 years). If the insured person passes away during the term, the beneficiary receives a death benefit. It typically has living benefits, allowing access to the death benefit in cases of critical, chronic, or terminal illness. It does not build cash value and is usually more affordable than permanent life insurance.

It is a type of permanent life insurance that provides coverage for your entire life, as long as premiums are paid. It also builds cash value over time, which can be borrowed against or withdrawn, in addition to providing a death benefit.

It refers to insurance that helps pay for medical expenses, including doctor visits, hospital stays, prescriptions, and other healthcare services. It helps reduce out-of-pocket costs and provides financial protection against high medical bills.

It is a permanent life insurance that combines a death benefit with cash value growth tied to a stock market index. It offers flexible premiums and protection against market losses.

It is a financial product that provides regular payments over a specified period of time, often for retirement. You make an initial lump sum payment or a series of payments, and in return, the annuity provides a steady stream of income, either for a set time or for the rest of your life.

It is a type of life insurance designed to pay off your mortgage in the event of your death or disability. It ensures that your family can keep their home without the burden of mortgage payments if you're no longer able to make them due to unforeseen circumstances.

Dental helps cover the costs of routine dental care, including exams, cleanings, fillings, and other treatments.

Vision covers expenses related to eye care, such as eye exams, glasses, and contact lenses.

It provides income replacement if you're unable to work due to a covered illness or injury, helping you maintain financial stability during recovery.

It provides coverage for medical expenses and out-of-pocket costs related to accidents, including hospital stays, doctor visits, and surgeries, as well as death benefits in the event of an accidental death.

It provides cash benefits if you're diagnosed with cancer, helping cover treatment costs like chemotherapy, surgery, and other related expenses not covered by regular insurance

Pays a lump sum benefit if you're diagnosed with a covered critical illness, like cancer, heart attack, or stroke.

Offers a daily cash benefit to help with hospitalization costs, including room charges and other related expenses.