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Life Insurance Policies

Purchasing life insurance is one of the best things you can do to protect family and loved ones after you die. And the policy limits should be reviewed on a regular basis to make sure you have the right amount of coverage based on your situation. Life insurance can help cover expenses such as funeral costs, outstanding debts, and any other financial obligations that you may leave behind. Sunshine Senior Services offers a variety of life insurance options tailored to meet the specific needs of seniors; with a team of qualified specialists, you’ll have extensive guidance through the process of choosing the right coverage for you. Whether you’re looking for a term, universal, or custom life insurance plan, you can have the reassurance that your loved ones will be taken care of with affordable plans from our professionals.

senior couple signing a policy for life insurance

The Benefits of Our Life Insurance Policies

Life insurance is a must-have for an individual of any age. For many individuals that are in good health, reliable life insurance policies are extremely affordable and offer an extra peace of mind for your family in the event that the unexpected happens. At Sunshine Senior Services, our team will work with you every step of the way to find the perfect life insurance policy that meets your needs. Every one of our policies are customized to the needs of each client and their budget, all guaranteeing the following benefits:

parents who can rest easy knowing their child is protected with their term life insurance policy

Term Life Insurance

Term life insurance is by far the most popular form of life insurance an individual can invest in. You’ll start by selecting the amount of payout you’re wanting in the event of your passing, where you will then make monthly premium payments for anywhere from 10-30 years until those funds are ready to use. The goal with term life insurance is to have peace of mind that any expenses that need to be paid after your passing are taken care of. This includes livable income for your family, mortgage debts, medical bills, and funeral costs. At Sunshine Senior Services, we are proud to offer affordable term life insurance options for our clients to give them total control over their financial security in the future.

Universal Life Insurance

When you’re searching for a permanent financial solution in the event of your passing, universal life insurance is a great option that we offer at Sunshine Senior Services. Differing from other life insurance policies, a universal plan doesn’t have a specific time period that premiums are meant to be paid but instead lasts for the lifetime of the policyholder. While universal life insurance may be a more expensive option than term or whole plans, it comes with added benefits such as a “cash value” savings program that allows you access to these funds when you need them. Get a free quote on our universal life insurance options today.

elderly parents securing their daughter's finances with their universal life insurance policies
middle aged couple signing a new policy for life insurance

Index Universal Life Insurance

Index universal life insurance, also known as IUL, is a type of life insurance policy that offers both death benefits and cash value accumulation. With IUL, a portion of your premiums is invested in a stock market index while the policy’s cash value grows based on the performance of the index, providing potential for greater returns than traditional whole life insurance policies. IUL also offers flexible premium payments and death benefit options, allowing you to customize the policy to fit your needs. This type of insurance can be a great option for those looking for life insurance coverage with the added benefit of having access to income that can supplement their retirement. Sunshine Senior Services offers a variety of IUL options from top-rated insurance companies and a team of experts available to assist you in finding the best policy for you.

PAR Whole Life Insurance

PAR whole life insurance, also known as participating whole life insurance, is a type of permanent life insurance that offers a death benefit, cash value accumulation, and dividend opportunities. With PAR whole life insurance, you become a policyholder and shareholder in the insurance company, allowing you to receive dividends on the policy’s cash value. These dividends can be used to purchase additional insurance coverage, reduce premiums, or be paid out in cash. When you choose Sunshine Senior Services, you’ll discover a variety of PAR whole life insurance options from highly-rated insurance companies that will help you safeguard your future.

family happy for their PAR whole life insurance
mother grateful for her guaranteed issue whole life insurance plan

Guaranteed Issue Whole Life Insurance

Guaranteed issue whole life insurance is a type of permanent life insurance that is designed for individuals who may have difficulty qualifying for traditional life insurance policies. With guaranteed issue policies, you are guaranteed acceptance, regardless of your health or medical history. This means that there are no medical exams or health questionnaires required to qualify for coverage. This option typically offers smaller death benefits, ranging from $2,000 to $25,000, with higher premiums than traditional whole-life insurance policies. Guaranteed issue whole life insurance can be a good option for those who are in poor health or have pre-existing medical conditions that may make it difficult to qualify for other types of life insurance coverage. Avoid complicated insurance forms and long-term cash growth when you choose our guaranteed issue whole life insurance policy at Sunshine Senior Services.

Final Expense Whole Life Insurance

Final expense whole life insurance is a type of permanent life insurance that is designed to cover end-of-life expenses, such as funeral costs and medical bills. This type of insurance typically offers smaller death benefits, ranging from $5,000 to $25,000, with lower premiums than traditional whole-life insurance policies. Final expense whole life insurance provides peace of mind knowing that your loved ones will have the financial means to cover your end-of-life expenses without having to dip into their own savings. Many of these policies offer simplified underwriting, which means that you may be able to qualify for coverage without having to undergo a medical exam. Don’t rely on Social Security to pay for end-of-life expenses; invest in our final expense whole life insurance policies at Sunshine Senior Services.

grandfather with his final expenses covered with his life insurance policy playing with his grandson

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