Customized Life Insurance Options

Having Your Family Protected With An Adequate Amount of Life Insurance is Another Way of Showing Your Love

Life insurance is an important way to protect your loved ones, but it's also hard for people to get. Life Insurance is among the most important products Smart Health & Life Insurance Agency offers! However, sadly fewer and fewer Americans are getting life insurance protection than any other time in history.

With our help your Life Insurance policy will protect you and your family's financial legacy.

Here's a Quick Look at All of Your Options for Insuring Your Life:


  • Term
  • Whole
  • Variable
  • Universal
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Term Life Insurance

Term life policies offer death benefits only. If you die before the policy ends, your family members get money back. 

 

However if you live past that time period, which is probable. Then there is a high possibility that nothing will be refunded to them since term-life doesn’t provide cash values or dividends after initial payment has been made for the insurance coverage.

 

These policies are like cash cows for life insurance companies, so they're cheap and many people buy them as backups to their more expensive plans.

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Permanent Life Insurance

Permanent life insurance premiums are more expensive than term because some of the premium is put into a savings program. 

 

The longer the policy has been in force, the higher cash value becomes because it's earned interest and dividends over time.

 

At Smart Health, Inc., our licensed brokers are trained in guiding you towards the right choice. 

 

Even if this decision seems difficult at first, we can help! In many cases it makes sense to have a combination of both temporary and permanent life insurance policies too.

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Because He Loved Me

“He did the dishes,

Rubbed my feet,

Surprised me with tulips,

Took me to musicals,

Held my bags while I shopped,

Held my hand.


He died of cancer four years ago.


Because he loved me,

I can stay at home.

I can be there for our children.

I can afford to pay for their college education.

I can worry about other things in life besides money.


He still loves me and he still shows it.”

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