Do you have enough coverage to protect your loved ones?
Now is the time to get a free life insurance quote.The rates are based on your health and age; why put it off any longer.
Get Life Insurance.
Reasons for coverage includes final expense, coverage for children's college expense, replacing a spouse income, paying off debt, buying a business partner's shares, paying off estate taxes, and life insurance for covering your mortgage.
Life Insurance Plan Options.
The various plans are whole life, indexed universal, term life, guaranteed issue, and plans with living benefits such as long term care, chronic illness and terminal illness. We offer complimentary consultation with a quote. This is important because based on your health situation, age, and build you want the right plan and carrier at the best chance of qualifying at the best rate possible.
Differance between Term or Whole Life.
Term life lasts 5, 10, 15, 20,or 30 years depending on the time frame that you have chosen. Then you will have to re-qualify with a higher rate because it's based on your age and also health. The term life is always less expensive. The whole or universal is a permanent policy that builds cash value and lasts a lifetime and is at the same premium rate.
Why choose Alyssa Macaluso as your agent?
We treat you like family! We are independent and shop differant carriers to get you the best option for you!She has been in insurance since 2005 and has experience with many differant carriers and plans. Also, Insurance jargon can be very confusing! We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your benefit exclusively!
Please donÂ't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.