Life Insurance

When choosing the best life insurance coverage for you, it can be helpful to have professionals like Central States Insurance Brokers guiding the way. Whether you’re in the market for term life insurance, whole life insurance, or something more specific, our brokers find you the best coverage at the lowest cost.

Central States Insurance Brokers’s No-Obligation Consultations on Life Insurance Policies

When you get in touch with us, we’ll gladly speak with you to clear up any confusion or concerns you may have about life insurance and the different insurers available. According to the information you provide us about your life situation, we can give you a quote over the phone, but it’s always best to set up an in-person consultation so that there are no details overlooked.

As certified life insurance strategists, our team can help you select the perfect coverage for your situation. Using our in-depth industry knowledge and advanced software, we’ll determine the coverage amount that we consider necessary and sufficient. Then, we’ll find you the best products for your needs from top-rated insurance carriers.

We guarantee that any personal information you share with us will remain strictly confidential, no matter what.

Compare Coverage and Life Insurance Companies

Every good financial plan should include life insurance. At Central States Insurance Brokers, we can connect you with a wide range of noteworthy life insurance companies with great coverage programs to suit every need.

The two primary kinds of life insurance coverage are the following:

Term Life Insurance

If you’re looking for an affordable life insurance option, term life insurance may be the best choice for you. With this coverage, you and your beneficiaries are covered for a specific period that you can set and adjust. Once this is in place, your insurance provider will pay out a benefit during this time, if applicable.

Whole Life Insurance

Whole life insurance is a bigger investment, but unlike term life insurance, it never runs out and is guaranteed to last an entire lifetime. Plus, this kind of policy can build in cash value over time as well, ensuring a death benefit to your beneficiaries.

Indexed Universal Life

Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to either a fixed account or an equity-indexed account. IUL insurance policies offer many well-known indexes, such as the S&P 500 or the Nasdaq-100.

KEY TAKEAWAYS

• Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to either a fixed account or an equity-indexed account.
• IUL insurance policies offer many well-known indexes, such as the S&P 500 or the Nasdaq-100.
• IUL insurance policies offer the possibility of cash accumulation while still providing a death benefit.

Final Expense

What Is Final Expense Insurance?

Final expense insurance is a whole life insurance policy that has a small death benefit and is easier to get approved for. Final expense insurance is also called “funeral insurance,” “burial insurance,” “simplified issue whole life insurance,” or “modified whole life insurance.” All are marketing terms that the insurance industry uses to sell small whole life policies with a face value (death benefit) of $2,000 to $50,000

• Final expense insurance is a whole life insurance policy with a small death benefit specifically marketed to help with the cost of the insured individual’s funeral.
• Premiums for final expense insurance tend to be affordable.

Final expense insurance is relatively easy to qualify for since it does not require a medical exam

Professional Assistance with Life Insurance Claims

The passing of a loved one is a difficult time for all. Still, it’s crucial to get in touch with us as soon as possible when the death of the insured individual occurs so that we can begin the claims process.

As the beneficiary, we’ll ask you some standard questions and request specific documentation. From there, we make sure to settle the claim quickly and fairly.