Life & Health Insurance
Providing your loved ones with financial security to empower the achievement of their dreams.
Term Life Insurrance
Term life is exactly as the name applies, it is coverage for a duration or term of time most commonly 15, 20, and 30 years.
Whole Life Insurance
Whole life is the simplest form of permanent life insurance that provides coverage for your whole life.
Universal Life Insurance
Universal life is a form of permanent life insurance with a cash value. That is flexible on premiums as you see fit within the guidelines of the policy. Universal Life Insurance can also be used as a retirement and estate planning tool, as well as provides living benefits while you are alive for needs such as long-term care.
Just-for-Kids is a form of life insurance designed specifically for kids, that is convertible to permanent life insurance at the appropriate age. This guarantees insurability for your children while they are young.
Annuities are products that help provide a steady, guaranteed stream of income or deferred investment growth. You can contribute to an annuity as part of a retirement strategy alongside other contributions you make to a 401k, IRA, or pension plan.
We offer a variety of annuities, each designed to meet unique needs. An annuity can have a fixed rate that provides steady income or a variable rate that enables you to invest in the stock market. The right annuity for you depends on your retirement plan and long-term goals.
Short-Term Health Insurance
A plan that can provide you with temporary medical coverage through all phases of life. Such as when you are between health plans, outside enrollment periods, or just need coverage in case of an emergency. Most plans are 3, 6, or even up to 24 months.
Dental insurance is a form of preventative care designed to help with the cost of dental maintenance to help maintain good overall oral health.
Vision insurance is a form of preventative care designed to help with the cost of eye care such as eye exams, contact lenses, eyeglasses, frames, and even corrective surgeries.
If you'd like to learn more about Life & Health Insurance through Phase Financial, please contact: