Tailored Protection for Every Stage of Life
Finding the Right Protection for Your Needs
Life insurance isn't one-size-fits-all. Different types of policies serve different purposes and life stages. At WealthSecure Life, I help you navigate your options to find the right balance of protection, affordability, and features. As a licensed agent in Colorado, Texas, and Maryland, I provide personalized guidance based on your unique situation and goals.
Our Life Insurance Products
Term Life Insurance
Affordable Protection for a Specific Period
Term life insurance provides coverage for a specific period (typically 10, 15, 20, or 30 years) with level premiums throughout the term. It offers the highest coverage amount for the lowest initial premium, making it ideal for young families, homeowners with mortgages, and those with temporary protection needs.Term Life Insurance with Living Benefits
Financial Power if Major Illness Strikes
Ethos Term – Choice with Living Benefits from Ameritas Life Insurance Corp. offers competitive coverage with benefits that put the life in life insurance. Eligible applicants can get maximum protection against the odds with the Critical, Chronic and Terminal Illness Accelerated Benefits rider, included at no cost. If you’re diagnosed with a qualifying illness, you\'ll be eligible to accelerate up to 90% of your policy’s death benefit.
Benefits include broad coverage against 18 qualifying conditions (e.g., major heart attack, stroke, severe cognitive impairment), no restrictions on how you use the money, and benefits backed by the A+ financial strength of Ameritas. Protection can be obtained in minutes with no medical exams, just a few health and lifestyle questions.
IUL + Term in one sale!
Bundle the benefits of both products in half the time
Ethos IUL includes an additional offer for Ethos Term – Choice with living benefits. This means no additional underwriting and 2X faster combo sales. Clients approved for Ethos IUL are also approved for Ethos Term – Choice with living benefits—automatically. This leads to higher persistency and 360° living benefits, offering all the advantages of IUL and term life with free Ethos estate planning tools for even greater protection.
Learn MoreWhole Life Insurance
Lifetime Protection with Cash Value
Whole life insurance provides permanent coverage that lasts your entire lifetime with fixed premiums. It includes a cash value component that grows at a guaranteed rate over time. This cash value can be accessed during your lifetime for various needs, such as loans or withdrawals. Whole life is ideal for long-term financial planning, estate planning, and ensuring lifelong protection.
Learn MoreUniversal Life Insurance
Flexible Protection with Cash Value Growth
Universal life insurance offers permanent coverage with more flexibility than whole life. You can adjust your premiums and death benefit to suit changing needs. It also accumulates cash value, which grows on a tax-deferred basis and can be accessed through loans or withdrawals. Universal life is suitable for those seeking adaptable coverage and cash value accumulation.
Learn MoreIndexed Universal Life (IUL)
Cash Value Growth Linked to Market Performance
Indexed Universal Life (IUL) insurance is a type of universal life policy where the cash value growth is linked to the performance of a stock market index, such as the S&P 500. It offers the potential for higher cash value growth than traditional universal life, while still providing downside protection against market losses. IUL policies can be a powerful tool for wealth accumulation and tax-advantaged income in retirement.
Learn MoreUniversal Life Insurance
Flexible Protection That Adapts
Universal life insurance offers permanent protection with flexibility in premium payments and death benefits. You can adjust your premiums and coverage as your financial situation changes, while building cash value based on current interest rates. This flexibility makes it ideal for those with changing financial circumstances or protection needs.
Learn MoreTerm with Living Benefits
Protection That Works While You're Living
Term with Living Benefits enhances traditional term insurance by allowing you to access a portion of your death benefit if you experience a qualifying critical, chronic, or terminal illness. This transforms your policy from protection that only works after you're gone to a financial safety net you can use during your lifetime if serious health challenges arise.
Learn MoreTerm Life Insurance
Affordable coverage for a specific period, ideal for protecting your family during critical years.
Whole Life Insurance
Lifetime coverage with a guaranteed death benefit and cash value growth.
Universal Life Insurance
Flexible premiums and death benefits, with a cash value component that can grow over time.
Indexed Universal Life (IUL)
Cash value growth linked to a stock market index, offering potential for higher returns with downside protection.
Term with Living Benefits
Access to your death benefit while living if you experience a qualifying critical, chronic, or terminal illness.
Annuity Solutions
Fixed Annuities
Guaranteed interest rates for a set period, providing predictable growth and income.
Indexed Annuities
Growth potential linked to market indexes, with protection against market downturns.