Life Insurance Overview

Life Insurance Protecting Your Future, Securing Peace of Mind Coverage Details Coverage amounts vary depending on the individual's needs and chosen policy. Coverage Type Description Example Scenario Term Life Insurance Provides coverage for a specific period. A 30-year term policy to cover mortgage payments. Whole Life Insurance Provides lifelong coverage with a savings component. Lifelong protection with cash value growth. Universal Life Insurance Offers flexible premiums and death benefits. Adjustable coverage and premiums. Additional Features Our life insurance plans come with extra benefits to enhance your coverage and provide greater financial security: Accelerated Death Benefit – Access your benefits in case of terminal illness. Waiver of Premium – Premiums are waived if you become totally disabled. Child & Spouse Riders – Add coverage for your family members at a lower cost. Guaranteed Renewability – Keep your coverage active regardless of health changes. What We Offer We provide flexible life insurance solutions tailored to your needs, ensuring financial protection for your loved ones. Whether you're looking for term life or permanent coverage, we help you choose the best plan for your future.

How Much Coverage Can You Apply For? Your life insurance coverage should reflect your financial goals and the security you want to provide for your loved ones. We offer flexible coverage options based on your needs, whether you're applying individually or for your entire family. How Much Life Insurance Do You Need? Choosing the right coverage depends on your financial responsibilities and future goals. Consider these factors to determine the ideal amount: ● Income Replacement ● Outstanding Debts ● Future Expenses ● End-of-Life Costs How Much Your Coverage Costs Use this simple formula to estimate the coverage amount that suits your needs: Coverage Amount ÷ 1,000) × Rate = Monthly Cost Your final rate may vary based on age, health, and policy type. Get a personalized quote to see your exact cost. Coverage Type Maximum Coverage Amount Personal Up to $500,000 Personal + Spouse Up to $1,000,000 (combined) Personal + Child(ren) Up to $750,000 (combined) Family Up to $1,500,000 (combined)

Important Details Portability ● Keep your coverage even if you change jobs or retire. ● Continue your policy by paying premiums directly. ● No need for a medical exam when transitioning your policy. Exclusions ● Coverage does not apply to self-inflicted injuries. ● Certain high-risk activities may not be covered. ● Suicide exclusion period may apply (varies by policy). Conversion ● Convert your group life insurance to an individual policy if you leave the company. ● No medical exam required for conversion. ● Must apply within a specific timeframe after leaving your job. About Our Company We are dedicated to providing comprehensive and flexible insurance solutions tailored to meet the evolving needs of individuals and businesses. With years of industry expertise, we prioritize financial security, peace of mind, and long-term stability for our clients. Our commitment to excellence is reflected in our customer-first approach, innovative policy options, and strong partnerships with top-rated carriers. Whether it’s life insurance, health plans, or retirement solutions, we ensure you have the coverage you need to protect what matters most. 1234 Crestview Lane, Suite 500 Brookhaven, NY 11590 Phone: (555) 987-6543 Email: [email protected]