Complete transparency on risk factors, pricing, and everything good and bad that can impact your policy values. Our experts have over a decade of experience working with all the top carriers to find the best fit for your specific circumstances. Skip the smoke and mirrors. Research with confidence at Life Insurance Simplified - your life insurance 'investigator'.
Protection policies: Temporary coverage designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. You rent the policy at lower premiums. Investment polices: Permanent, lifetime coverage designed to facilitate the growth of capital by regular or single premiums.
Protection policies: Temporary coverage designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. You rent the policy at lower premiums. Investment polices: Permanent, lifetime coverage designed to facilitate the growth of capital by regular or single premiums.
Services
We understand how valuable your time is. We investigate cash value life insurance policies and fixed income annuity options so you can make a decision about your financial future with confidence. Since we started, our goal is to help you find the best solution to meet your legacy planning needs in a fast and simple manner.
Looking to learn more about how life insurance works? The simple answer is you pay an ongoing premium (let's say around $50 per month) to the life insurance company to keep your policy in force. When you die, your beneficiary(s) receives a tax-free sum of money called the death benefit. You're transferring the risk from your family carrying the financial hardship to the life insurance company, if you were to die unexpectedly.
Not all types of life insurance policies are created equally. How long the policy lasts, the cost and extra provisions depends on the type of life insurance policy coverage. Broadly speaking, life insurance is divided into two different types: Term and Cash Value Life Insurance. Most people who need life insurance only need term, especially if they're investing their money in traditional savings accounts.
Are you wondering about how much life insurance you should have? If you have a family or if you provide financial support for anyone, you probably seriously need to think about taking out adequate life insurance coverage that will ensure your loved ones will always be cared for financially.
Some examples include to help replace your income to continue paying the bills when you're not around, to ensure funeral costs are met, paying off a mortgage or other loans, and paying for children's education.
Some examples include to help replace your income to continue paying the bills when you're not around, to ensure funeral costs are met, paying off a mortgage or other loans, and paying for children's education.
Pick out and rank important factors, like company ratings, average application time, policy types and riders, and a company's customer service and experience. Life insurance costs are determined largely by how risky you are to insure. That means health conditions like cancer, diabetes or a history of smoking, along with other factors like dangerous hobbies and military service, can raise your premium considerably.
Reviews (5)
Hasan Tarek
Sep 28, 2019
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Life Insurance simplified was a very informative resource to figure out my insurance needs and helped deliver solutions to fit those needs. I was provided multiple options that suit my needs and was able to choose something that was right for me and my family. Very professional service and really quick turnaround. I will be using them again for all of my future insurance needs.
Kris Patel
Jul 23, 2019
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Rajul Patel
Jun 04, 2019
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I highly recommend Life Insurance Simplified for all of your insurance needs. Skip the annoying sales call or getting stuck with an insurance salesman who tries to sell you products that you don’t need or are not suitable for your lifestyle. You will get valuable advice and product options that make sense for you, your loved ones and your business. And more importantly you will work with someone who is passionate about planning for the future and ensuring that you are prepared for all of those curveballs that are inevitably part of life.
Amit Patel
May 04, 2019
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It was a smooth process working with Sapna regarding the business and personal insurance needs for us. The bank had some specific policy requests that Sapna took over and quickly intitiated the policy to allow for a quick closing. Sapna takes the initiative to find individual client needs and insurance products to fit them without being tied to one carrier alone. We are happy to continue our evolving insurance relationship with her now and in the future!
Pranav Patel
Dec 05, 2018
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