Cash Payout Life Insurance
Protects your income in the event you are unable to work due to a major medical illness.
Cash Payout
Life Insurance
Protects your income in the event you are unable to work due to a major medical illness.
Pay Off Your Bills
Some life insurance policies have a cash-back option to pay out when they expire and can be used to pay off debts early.
Tax-Free Money
Creates generational wealth via a cash payout to your family upon your death. Since life insurance is tax-free, this provides financial stability for your loved ones.
Critical Time Payout
If you suffered a stroke, heart attack, or any critical illness, this cash payout from your life insurance helps with medical expenses and bills while you are out of work.
Terminal Illness Payout
Imagine getting a check to pay for cancer treatments. This type of cash payout from your life insurance protects your family during the most challenging times as you are trying to cope with a terminal illness.
Final Expense Life Insurance
Final Expense Whole life insurance, also known as Burial Insurance, is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses.
No Medical Exams
Simple application process with no medical exams. Guaranteed coverage that lasts for the rest of your life, as long as you continue to pay your premiums.
Affordable Premiums
If you have a tight budget or fixed income and need a premium that won’t increase. If you need coverage for burial or other final expenses to pay off debts after death.
Builds Cash Value
Potential cash value that grows tax-deferred. You can build cash value and have access to funds in an emergency.
Tax Free Death Benefit
A set benefit to be paid to your designated beneficiaries upon your death. Tax free.
Why Work With Collette?
Collette Ramsay-Taylor, senior insurance and retirement expert, mother, and owner of two beautiful fur babies, has helped 500+ clients to have the ability to pay off their mortgage early, have guaranteed retirement income, and get compound interest on their savings. The clients she helps experience a seamless approach to planning for their financial goals. They feel empowered to know they are in charge of growing their money safely while maintaining the lifestyle they love and eliminating debt in the process.
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George Owens
I always heard my parents talk about the importance of mortgage protection. When I purchased my own home, I decided to follow in their footsteps and get a policy for myself. I'm so glad I did! Not only do I have peace of mind knowing that my home is protected.
Cindi Banks
Things got tough when my spouse passed away. On top of that, I had to worry about the mortgage payments on our home. Thankfully, we had mortgage protection in place. It saved the equity in our home and allowed me to focus on healing during this difficult time. I highly recommend getting mortgage protection it's a small investment that can make a world of difference.
Elise Wilson
I never thought I'd need mortgage protection, but when I faced a serious illness that left me unable to work, I was so grateful to have it. The cash payout from my policy was a lifesaver, helping me cover my mortgage payments and allowing me to focus on my recovery without the added stress of potentially losing my home.
Descriptions are for informational purposes only and subject to change. Limitations may apply. Benefits and carriers will vary for coverages and are subject to underwriting approval, product limitations, and availability. Benefits are not available in all states. Please note that it and its representatives do not provide investment advice or securities transaction services. Our focus is life insurance, Medicare, retirement planning, and other services.