Coverage You Can Trust
We understand the importance of personalized coverage. Our focus is on assessing your unique needs and offering tailored life insurance policies to ensure comprehensive financial protection for your family.
SECURING FUTURES
Your agent.
Christina Brown is a native of Charlotte, NC. She is passionate about helping people and making a positive impact in their lives. Though she originally went to school for digital film, she has found great fulfillment in her current path—educating families and individuals about life insurance. Guiding others to protect what matters the most to them has brought a level peace that can't be described.
SECURING FUTURES
Know the Difference.
Here’s a clear breakdown of the differences between Final Expense, Term Life, and Whole Life Insurance:
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🔹 Final Expense Insurance
Also known as burial or funeral insurance.
• Purpose: Covers funeral/burial costs and small debts.
• Coverage Amount: Typically low ($2,000 – $50,000).
• Premiums: Usually fixed and lifetime (don’t expire).
• Medical Exam: Often none required; simplified issue.
• Best For: Seniors or people who want a small, permanent policy to cover end-of-life costs.
• Builds Cash Value: ✅ Yes (but minimal).
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🔹 Term Life Insurance
Covers you for a specific “term” (e.g., 10, 20, or 30 years).
• Purpose: Income replacement during working years (e.g., for mortgage, family support).
• Coverage Amount: High ($50,000 – $5 million or more).
• Premiums: Lower cost, fixed during the term.
• Expires: ✅ Yes — once the term ends, coverage typically ends unless renewed.
• Medical Exam: Often required for higher amounts.
• Best For: Younger people or families needing temporary, affordable protection.
• Builds Cash Value: ❌ No.
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🔹 Whole Life Insurance
Lifetime coverage with a cash value component.
• Purpose: Lifetime protection, estate planning, leaving a legacy.
• Coverage Amount: Moderate to high ($25,000 – $1 million+).
• Premiums: Higher cost, but fixed for life.
• Never Expires: ✅ As long as premiums are paid.
• Builds Cash Value: ✅ Yes – can borrow against it or withdraw.
• Medical Exam: Usually required.
• Best For: Those wanting permanent protection and potential savings/investment growth.
Customized Solutions
We understand the importance of personalized coverage. Our focus is on assessing your unique needs and offering tailored life insurance policies to ensure comprehensive financial protection for your family.
