Protect Your Legacy
At Burgett & Ross Insurance, we help you choose a Life Insurance option that best protects the people who depend on you. Whether it's by funding your children's education or planning for a comfortable future. We can assist with all of your Life Insurance decisions.
Types of Life Insurance
The most affordable life coverage
Two Types of Term
Traditional fully underwritten term - Requires a medical exam and usually takes effect in four to six weeks
No medical exam term - Based on your answers to health and lifestyle questions and takes effect in as quickly as 1 day
Two major types of permanent life insurance: whole life and universal life
Whole life - Fixed premiums with guaranteed benefits. Cash value component that builds with time. Whole life is generally more expensive and less flexible than other permanent policy types. Whole life coverage will last your lifetime.
Universal - Flexible protection with growth potential. Products offer either a guaranteed death benefit or cash value accumulation. Universal coverage will last up to age 95.
Specific end-of-life coverage
Simple and affordable life insurance
Covers expenses such as medical bills, credit card debt and funeral and burial costs
Requires no medical exam, and takes effect in as little 1 day
Which Life Insurance is right for you?
The first thing to consider is how much your family would need to maintain their standard of living. Then, consider:
Your medical expenses and outstanding debt, and mortgage
Your children's age
How much you contribute to the household income
Funeral and final expenses
Additionally, we can assist with:
Disability Income Insurance
Medicare Supplemental Insurance
At Burgett & Ross Insurance, we are here to help plan for your family's needs.