"We solve your problems, so you can rest easy"
"We solve your problems, so you can rest easy"
At Prosperity and Associates Insurance Services, we are committed to providing our clients with the best coverage options to protect what matters most. Our team of experienced agents is dedicated to helping you find the right insurance solutions for your unique needs. Browse our website to learn more about our services and contact us today to get started!
Whole life insurance is a type of permanent life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid.
Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years.
MPI is a type of insurance policy that helps your family make your monthly mortgage payments if you – the policyholder and mortgage borrower – die before your mortgage is fully paid off. Some MPI policies will also offer coverage for a limited time if you lose your job or become disabled after an accident. Some companies call it mortgage life insurance because most policies only pay out when the policyholder dies.
Annuities are a form of insurance or investment entitling the investor to a series of annual sums. Annuities offer a stream of income, provide tax advantages, can grow tax-deferred over time and have no contribution limits. In the event of death, annuities also offer riders that allow you to transfer money to your beneficiaries.
Health insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured.
Final expense insurance is a whole life insurance policy that has a small death benefit and is easier to get approved for. Final expense insurance is also called “funeral insurance,” “burial insurance,” “simplified issue whole life insurance,” or “modified whole life insurance.”
Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for completion of core work functions.
The biggest advantage of universal life(UL) insurance is that it empowers policyholders to adjust the size and timing of their premium payments, reduce the size of their policy’s death benefit in exchange for greater cash value, and make other adjustments to adapt to their changing financial needs and different stages of life.
Indexed Universal Life Insurance (IUL) is getting a lot of interest among those looking for a little investment action with their life insurance protection these days. IUL, also known as equity-indexed universal life insurance, is something of a hybrid vehicle. Like any whole life product, it guarantees a payout upon death. And, like other types of universal life policies, IUL holds cash value that goes up over time, as premiums are paid.
Guaranteed universal life (GUL) insurance policy offers a death benefit and premium payments that will not change over time. You select an age at which the policy ends (such as age 90, 95, 100, 105, 110, or 121). Choosing a higher age will increase the premium.
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