Insurance You Keep can help you find the coverage that’s right for you and your loved ones. Our agents have over 11 years of experience and we can help you understand your options, and figure out how much and what kind is right for you before getting your life insurance quote.
Call Joe or Mercedes Ritter for more information or to schedule an appointment 1-844-424-9426.
Whether you are just getting started with life insurance or have had it for years, there’s a lot to learn. Insurance You Keep wants to make sure you understand the basics and feel confident that you’re making informed choices.
With our life insurance policies, you can help your loved ones:
By representing all the top insurance companies, we gather some very basic information about you and use our proprietary rate calculator to find out what company will cover you for the best rate based on your personal situation.
Final expense insurance is designed to cover the bills that your loved ones will face after your death – such as medical bills and funeral expenses. Final expense insurance is also known as burial insurance since even bare-bones funerals cost thousands of dollars. Final Expense is also called easy issue whole life insurance because the premium never goes up and it’s easier to qualify for medically.
The Living Benefits Rider (LBR) can help offer peace of mind at a critical time. It entitles the policy owner of a life insurance policy to an early or accelerated payout of the policy death benefits if the insured is diagnosed with a critical illness like cancer, heart attack or stroke.
Whether you’re looking for the affordability of term insurance or the lifelong protection and cash value of permanent insurance, we can explain what’s best for you. We can also show you new plans that do a combination of both. Insurance You Keep® has options to fit your needs and most importantly, your budget.
Your information comes directly to us and no one else. Many of our national competitors will sell your information to multiple brokers that could be based in a distant state or even another country.
Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium among a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.
It is available as Whole Life, Universal Life or variable Universal Life. It covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship Life insurance is an essential tool used to meet estate planning or business continuation goals.
Have a question you would like answered about life insurance added to this list? Please submit your question via our contact form.
Disclosures: Your premium could vary depending on your age, health, issuing company and other factors. Not all plans are available in all states. All term life coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Your policy may include an Accelerated Benefit Rider, there is no additional charge for this rider. This rider will give you full or partial access to the death benefit in the event of terminal, chronic or critical illness.