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LIFE COVER 360 Life Insurance Coverage
We are dedicated to providing you with personalized insurance solutions that fit your unique needs. Our policies include auto, home, life, and more. Let us protect what matters most to you.
Multiple types of life insurance
Whole Life Insurance Accumulate Cash Value
With a whole life insurance policy, especially permanent policies like Whole Life or Universal Life, you can grow your money sustainably by building cash value over time.
Index Universal Life Insurance (IUL) Accumulate Cash Value
Indexed Universal Life (IUL) Insurance is a type of permanent life insurance that offers both a death benefit and a cash value component that grows based on the performance of a stock market index, like the S&P 500.
Variable Universal Life Insurance Accumulate Cash Value
Variable Life Insurance is a type of permanent life insurance that offers a death benefit and a cash value component that can be invested in various sub-accounts, like mutual funds.
Guaranteed Universal Life Insurance (GUL)
Guaranteed Universal Life Insurance (GUL) is a type of permanent life insurance that provides lifelong coverage with predictable, fixed premiums and a guaranteed death benefit.
Final Expense/ Burial Insurance
Final Expense Insurance, also known as Burial Insurance, is a small whole life policy designed to cover end-of-life costs such as funeral expenses, medical bills, or outstanding debts. It offers a guaranteed death benefit, fixed premiums, and typically requires no medical exam.
Survivorship Life Insurance ( Second to die)
Survivorship Life Insurance, also known as Second-to-Die Life Insurance, is a policy that covers two people—usually spouses—and pays out the death benefit only after both have passed away.
Single Premium Life Insurance
Single Premium Life Insurance is a type of permanent life insurance where you pay a one-time, lump-sum premium to fully fund the policy. It provides a guaranteed death benefit, builds immediate cash value, and offers tax-deferred growth.
Universal Life Insurance Accumulate Cash Value
Universal Life Insurance (UL) is a flexible permanent life insurance policy that offers lifetime coverage along with a cash value component that grows tax-deferred.
Family Life Insurance Coverage
Family Life Insurance
Having family life insurance is essential because it provides financial protection and peace of mind for your loved ones in case the unexpected happens.
Auto Insurance Coverage
Auto Insurance Coverage
- Liability Coverage
- Collision Coverage
- Comprehensive
Medical Payments or Personal Injury Protection (PIP)
Mortgage Insurance Coverage
Mortgage Insurance Coverage is designed to protect either thelender or the borrower in the event of default, disability, or death. There are two main types:
1-Private Mortgage Insurance (PMI)
2-Mortgage Protection Insurance (MPI)
TERM LIFE INSURANCE OFFERS AFFORDABLE PROTECTION
Term life insurance
Term life insurance is more affordable than many people think, with coverage starting as low as $39 per month. This makes it an accessible option for individuals who want to protect their loved ones without breaking the bank. For a low monthly premium, you can get solid financial coverage for a specified term, whether it’s 10, 20, or 30 years.
10, 15, 20, 25, 30, up to 35 YEAR TERM LIFE INSURANCE
Level Term Life Insurance
Decreasing Term Life Insurance
Decreasing Term Life Insurance
Term life insurance provides financial protection for a set period of time—typically 10, 15, 20, 25, 30 or 35 years
Decreasing Term Life Insurance
Decreasing Term Life Insurance
Decreasing Term Life Insurance
Decreasing term life insurance is a type of policy where the coverage amount (death benefit) gradually decreases over time, usually in line with a specific financial obligation, such as a mortgage or loan.
Increasing Term Life Insurance
Decreasing Term Life Insurance
Increasing Term Life Insurance
Increasing term life insurance is a type of term policy where the coverage amount (death benefit) increases over time, typically in increments, while the premium remains level for a set period
Group Term Life Insurance
Renewable Term Life Insurance
Increasing Term Life Insurance
Group term life insurance is a type of life insurance coverage offered by employers or organizations to a group of people, typically at a lower cost than individual policies. The coverage is usually provided as a benefit to employees or members, with premiums often paid by the employer.
Renewable Term Life Insurance
Renewable Term Life Insurance
Renewable Term Life Insurance
Renewable term life insurance is a type of term life policy that allows you to renew your coverage at the end of the term without needing a medical exam, regardless of your health condition. This option provides flexibility, as it lets you extend your coverage for another term, typically at a higher premium due to your age.
Modified Term Life
Renewable Term Life Insurance
Renewable Term Life Insurance
Modified term life insurance is a type of term life policy where the premiums are lower in the initial years and gradually increase after a set period, often 5 or 10 years. This structure allows policyholders to enjoy more affordable premiums in the early years of the policy.
Supplement Term Life
Increasing Term Life Insurance
Increasing Term Life Insurance
Supplemental term life insurance is an additional coverage option that complements an existing life insurance policy, typically provided by an employer or another primary policy.
Increasing Term Life Insurance
Increasing Term Life Insurance
Increasing Term Life Insurance
Increasing term life insurance is a type of term policy where the coverage amount (death benefit) increases over time, typically in increments, while the premium remains level for a set period
Return of Premium Term Life
Increasing Term Life Insurance
Return of Premium Term Life
Return of Premium (ROP) term life insurance is a unique type of term policy that refunds all the premiums you’ve paid if you outlive the policy term. Like traditional term life insurance, it provides coverage for a set period (such as 10, 20, or 30 years).