Life Insurance

It’s Dad!
Today, I prayed for the first time in my life.
The sight of my baby
Brought tears to my eyes
I made a promise.
That I will watch over my baby till the end of the world.
And that I will always love him.
Please say a prayer for my baby.
It was a short meeting with you guys
That taught me the biggest lesson in love.

Life insurance can be an important part of your personal safety net, especially if you have financial dependents. We, a leading provider of life insurance to millions of customers, can work with you to find easy and affordable life insurance solutions—so you know your loved ones will be taken care of.

Term Life Insurance

For individuals and families, term life insurance is especially useful to support loved ones and help with financial obligations. Our term life policies offer some of the most competitive premiums in the industry for a variety of coverage periods, coverage levels, and underwriting classes.

• Traditional Term Life
• ROP Term Life - You'll get all our premiums back if you outlive the policy term - Guaranteed

Universal Life Insurance

As needs come more into focus, and you begin seeking to provide for those close to you or working to protect assets, universal life insurance offers many benefits and tax advantages. Our universal life insurance policies offer competitive premiums, tax-defered cash value accumulation, access to cash surrender values, and exceptional policy guarantees. They serve as valuable tools for effective estate planning.

• Index Universal Life - Flexibility to choose each year, beginning with the first policy anniversary, between an indexed interest-crediting rate linked to annual growth of the S&P 500 Index, subject to a cap.
• Global Index Universal Life - Provides you an opportunity to earn cash value accumulation based in part on the performance of the S&P 500 Index, the Dow Jones EURO STOXX 50 Index (Western Europe) and the Hang Seng Index (Hong Kong)
• Guarantee Universal Life - You select the duration of the policy's death benefit coverage guarantee according to your individual need.
• Variable Universal Life - A portion of each premium will be allocated to your choice of investment options.

Register for your FREE Quote!

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Interest Area Health Insurance Hospital Inpatient/Outpatient Doctors' Office Visits Dental Critical Illness Life Insurance Traditional Term Life ROP Term Life Index Universal Life Global Index Universal Life Guarantee Universal Life Variable Universal Life	Comment:
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Here is the list of our carriers

Company	Ratings
AIG American General Life	A.M. Best:	A++
	S&P:	AA+
	Moody's:	Aa1
	Fitch:	AA+
Allianz Life Insurance Company of North America	A.M. Best:	A
	S&P:	AA-
	Moody's:	A2
	Fitch:	A+
ING ReliaStar Life	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA
ING ReliaStar Life of New York	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA
Jefferson Pilot Financial	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA
John Hancock	A.M. Best:	A++
	S&P:	AAA
	Moody's:	Aa2
	Fitch:	AA+
Lincoln Benefit Life	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa2
	Fitch:	NR
MetLife Investors USA Insurance Company - Link	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA
Old Mutual Financial Life Insurance Company	A.M. Best:	A
	S&P:	AA-
	Moody's:	A3
	Fitch:	A-
Prudential Financial	A.M. Best:	A+
	S&P:	AA-
	Moody's:	Aa3
	Fitch:	AA
Transamerica Financial Life Insurance Company	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA+
Transamerica Occidental Life Insurance Company	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA+
U.S. Financial	A.M. Best:	A+
	S&P:	BBpi
	Moody's:	NR
	Fitch:	AA
U.S. Life	A.M. Best:	A++
	S&P:	AA+
	Moody's:	Aa1
	Fitch:	AA+
West Coast Life	A.M. Best:	A+
	S&P:	AA
	Moody's:	Aa3
	Fitch:	AA-

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