We provide protection with life insurance companies you can trust.
At The Financial Architects, we only work with A+ rated companies to get you the best life insurance quotes.
We understand that every client’s needs are different, and that is exactly why we partnered up with over 30 of the best life insurance companies.
We offer term insurance, permanent insurance, and policies with return of premium; it all depends on your needs and the goal of your policy. You’re probably wondering, how do I know which type of policy is best for me?
If you are on a budget and want to make sure you have some protection for your family, then you may start off with term insurance because it is the most affordable. It covers you for a set amount of time, and once that term ends, so does your policy. Now a days there are even options that may allow you to get your premiums returned. Depending on your budget a permanent life insurance policy may be your best bet and can be an important financial planning tool. And because of that, getting life insurance sooner than later is so critical.
Life insurance for your child can offer a range of long-term benefits that may surprise you.
If you already know that value of insurance perhaps you have not really given it too much thought, but what about insuring your children, does that make sense when they are so young and healthy? Getting life insurance on a child may be frowned upon. That is understandable; no parent wants to imagine a scenario in which they might collect a death benefit on their child’s life.
The cost of life insurance is based primarily on your age and health.
The amount you will pay for a policy will never increase unless they buy more insurance. By the time you hand the policies (and hopefully the cost of them) to the kids, it’s likely to be one of the lowest bills they will pay each month. And by then, most of that cost will go right to the policies’ cash value.
It Can Provide Peace of Mind
Of course, no parent wants to even consider the possibility of collecting the death benefit on a child. But if that were ever necessary, the death benefit can help ease some stress during a devastating time. It can be used to cover medical expenses, funeral bills and even counseling for your family. If you and your spouse need to take time off from work to mourn and process the event, the death benefit can help with that as well.