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Types of Life Insurance

MyLifeTermGuy offers a variety of insurance products, including: Term Life Insurance, Universal Life Insurance, Whole Life Insurance, Accidental Death Insurance, and our new Term Life Insurance with Living Benefits (Quality of Life Insurance® Flex Term).

We offer advice from licensed agents with expertise who can help find valuable coverage to help meet your family’s individual needs.We don’t use a cookie-cutter approach to selling life insurance.

Instead, we listen carefully to you and help tailor a customized coverage plan with life insurance products and services that help to meet your needs.

Contact a licensed, professional, and helpful GoldCoast agent today to request a free, no-obligation life insurance quote.

Types of Life Insurance

Benefits of Life Insurance

Term Life Insurance with Living Benefits – Benefits of Life… Insurance® Flex Term can help protect you in a compelling way by providing a benefit in the event of your premature death.

Term Life Insurance

Traditional Term Life Insurance – Term life insurance covers the policyholder for a specific amount of time, which is known as the “term.”

Universal Life

Insurance that can cover you for life. It’s called Universal Life insurance and it provides both flexibility and financial advantages.

Life Insurance
Types of Life Insurance 2

Permanent Life Insurance

Permanent life insurance refers to a variety of life insurance products intended to provide you and your loved ones with life-long protection.

Whole Life Insurance

Whole life insurance through GoldCoast provides fixed premiums for the life of the policy. A portion of each premium you pay becomes part of this cash value.

Guaranteed Issue Whole Life Insurance

MyTermLifeGuy offers guaranteed issue whole life insurance – a simple and affordable life insurance policy with guaranteed acceptance. If you’re age 50-85, you can’t be turned down for health reasons.

Accidental Death Insurance

Accidental death and dismemberment insurance covers you and your family if you are seriously injured or killed in an accident, lose a limb, suffer blindness, or are paralyzed in a covered accident.

Accidental Death Insurance
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When purchasing life insurance, we always want to choose the coverage amount that will be most useful to our family and loved ones in the future. When we wish to begin the application process for any type of life insurance, however, there are various factors to consider.

At My Term Life Guy, we assist each individual or family in determining the best plan for their needs. We understand that, in many circumstances, a person’s health status might be a barrier to getting traditional life insurance at a reasonable price. In order to receive a plan that offers good coverage, most life insurance companies require a medical exam. The truth is that undergoing a physical exam may be counterproductive if you are looking for a cost-effective plan with enough coverage in the future.

Even if one’s current health is strong, one’s lifestyle or previous illnesses can have an impact on future final expense insurance. If you are not a regular exerciser, a smoker, or have had a significant illness, it is conceivable that the life insurance company may not offer you the plan that you desire. If you also try to hire a policy that offers a lot of coverage while also not having a good medical history, the cost may end up being too high.

Although obtaining life insurance without a physical exam can be pricey, at My Term Life Guy, we will do everything we can to find the best insurer offer for you. The best part about working with us is that we will strive to put ourselves in your place in order to propose the best solution for you, whether it is term life insurance or guaranteed issue life insurance. Furthermore, you will not be required to pay anything to begin the application process, allowing you to compare quotes from several types of life insurance to determine which one is best for you.

You can obtain a quotation by filling out our online form. Please do not hesitate to contact one of our insurance agents if you have any questions!