Coverage Option
Term protection with a built-in option to get premiums back at the end of the term.
Return of premium term works like traditional term life insurance, with one difference: if the policy is still in force at the end of the term and no claim has been paid, the policy may return the premiums paid, subject to the policy's terms and conditions. Justin has access to exclusive return of premium term options through the carriers he represents.
There is no pressure here, and no obligation. But it is worth knowing that in life insurance, age and health matter: rates are based on how old you are and how you are doing today. Reviewing your options while you are feeling well generally keeps more choices open to you.
A few short questions, including a brief health questionnaire, so Justin knows which carriers to look at first.
Coverage for a set period of years, often used while raising a family or paying off a home.
Lifelong coverage with level premiums and cash value that builds over time.
Smaller policies designed to help cover funeral costs and other final expenses.
Coverage intended to help replace lost household income for the people who depend on it.