Small Business Insurance Services Inc. is a Brokerage firm that has no allegiance to
any insurance company. Our agents are also multi state licensed. This being the case,
we can shop all major carriers for you so you always get the BEST
plan at the LOWEST price. Each plan can be customized to fit your
specific needs and budget.
If you prefer you
can call us toll free @
(866) 724 7123
for a free no obligation Life Insurance telephone
consultation from one of our multi-state licensed Brokers. Or, you
can click on the link below and begin comparing plans right now:
YOUR LIFE INSURANCE HOTLINE: 1 (866) 724 7123
Watch the video below to
determine how much Life insurance you actually need.
you know that you can now add a "Rope" (Return of Premium) rider
to your Term Life policy and get all your money back at the end of
the term (typically 10, 20 or 30 years)? It costs more to add a
"Rope" to your Term Life policy but many consumers have chosen this
option because many consumers are willing to pay more for their Life
Insurance each month if they know they will be getting all their
money back if they survive their policy term. To run Term Life
quotes with a Return of Premium rider added please click the link
above. Got Questions? Call our Hot Line.
Before you begin your
quotes please watch these clips from nationally syndicated financial
experts Suze Orman and Dave Ramsey on why we recommend Term Life
Life insurance with "Living Benefits".
Life insurance is an
important way to protect your loved ones. But for many families the
need for protection is increasingly due to costs associated with the
rising incidence of illnesses like strokes, heart attacks, cancer
and other chronic and critical illnesses. More families are dealing
with the unexpected costs that illnesses such as these place on them
and their families. People need access to funds while they are alive
to cover costs that their health insurance may not otherwise be
TransAmerica Life insurance
LB is a
life insurance product that does just that. It provides cash that
you can use to deal with life’s unexpected twists and turns.
Why Do I Need Living Benefits?
Statistics show that large numbers of Americans may become
terminally, critically or chronically ill.
and critical illnesses may result in the inability to perform
activities of daily living such as bathing or dressing yourself
without help or assistance. While many of us have health insurance,
medical billscontinue to be a leading cause of bankruptcy in the
United States. Watch the Butler's story about how their policy with
"Living Benefits" ended up literally saving their family fortune.
insurance with living benefits provides the option to access the
face amount and receive cash while the insured is alive. The
Accelerated Death Benefits can provide funds at a time that the
insured and his/her family need them most.
Most life insurance policies only protect your family after you pass
away. A life insurance policy with living benefits still does that
but may also give you valuable access to cash while you are alive,
and when the funds are most needed. People see this as a smart way
to have funds they need without having to access a retirement fund,
401(k) or liquidate CDs. To learn more about TransAmerica Life's
click here to download their
helpful "Questions and Answers" brochure.