Check out our video to find out more.
Protecting Your Family with Life Insurance is Simple and Affordable
Solid financial planning requires addressing all insurance needs. For families, with or without children, life insurance is a crucial piece that provides peace of mind for families through difficult times.
As a parent, one of the most difficult challenges is to imagine a world where your kids have to grow up without you. An important part of your financial planning is to prepare for that situation in advance. Life insurance helps to provide the financial resources to make your families dreams come true even if you are not there.
Straight Forward Life & Annuity offers a full range of life insurance products from Term Life to Universal and Whole Life policies. Each has their own benefits and drawbacks. We work hard to educate our clients so that they can make an informed decision that is both effective for their financial plan and fits into their current budget.
Your home is your largest investment, protect it the right way. Protect your mortgage in case of death before the mortgage is paid off.
Final Expense Insurance takes the burden off of your family when it comes to making final arrangements and finalizing medical bills.
When buying a home, many buyers look to protect their investment with some form of mortgage life insurance.
Your student made the leap from graduating high school to a new and exciting college or university experience - these come at a high price.
Final Expense Insurance takes the burden off of your family when it comes to making final arrangements and finalizing medical bills.
When buying a home, many buyers look to protect their investment with some form of mortgage life insurance.
Your student made the leap from graduating high school to a new and exciting college or university experience - these come at a high price.
Your Home Is Your Largest Investment, Protect It the Right Way
At Straight Forward Life & Annuity, we work with our clients to find affordable life insurance that protects their mortgage in case one of the borrowers dies before the mortgage is paid off. Rather than simply paying the bank automatically, we help our clients plan the way that they manage the proceeds of the life insurance policy. In some cases, the remaining borrower may be able to continue to pay the monthly mortgage payment and use the funds for college planning, paying off other debts or obligations.
Regardless of your situation, we think it is important for you to have control over the life insurance that protects your home and that you're able make decisions that benefit you, your situation and your finances in the event a spouse or co-borrower on a mortgage passes away. Our free life insurance consultation takes all of this into consideration in developing a life insurance plan that covers, not just your mortgage, but all of your financial goals.
Your Home Is Your Largest Investment, Protect It the Right Way
At Straight Forward Life & Annuity, we work with our clients to find affordable life insurance that protects their mortgage in case one of the borrowers dies before the mortgage is paid off. Rather than simply paying the bank automatically, we help our clients plan the way that they manage the proceeds of the life insurance policy. In some cases, the remaining borrower may be able to continue to pay the monthly mortgage payment and use the funds for college planning, paying off other debts or obligations.
Regardless of your situation, we think it is important for you to have control over the life insurance that protects your home and that you're able make decisions that benefit you, your situation and your finances in the event a spouse or co-borrower on a mortgage passes away. Our free life insurance consultation takes all of this into consideration in developing a life insurance plan that covers, not just your mortgage, but all of your financial goals.
Simple Plans to Help Your Family in their Time of Their Loss
No Insurance
Avg. Funeral Cost 2018
Total Coverage
Straight Forward Life & Annuity
Cost of Final Expense Policy
Total Possible Coverage
Final Expense Insurance takes the burden off of your family when it comes to making final arrangements and finalizing medical bills.
The cost of the average funeral continues to grow. In 2018, that average grew to slightly more than $10,000 with higher end funerals costing sometimes $20,000 or $30,000. Final Expense policies can be issued for as little as $3,000 in coverage to $25,000. With such a dedicated purpose, final expense policies have become very simplified including often guaranteed issue, minimal paperwork and generally affordable monthly payments to get these policies started.
At Straight Forward Life & Annuity, we can help you determine the right amount, develop a funeral and final expense plan, and find an affordable plan that's simple to understand and easy to put in place.
Secondary Education Loans
Your student made the leap from graduating high school to a new and exciting college or university experience. For most students, paying for that college education comes at a high cost, and college loans are all but required to meet that cost. Too often parents co-sign the loans due to little to no credit history of their student. This creates a significant liability for many parents without ever understanding the risk associated with co-signing. The average student loan debt in 2020 was roughly $38,000 with highs ranging to $200,000 or more.
2020 Avg. Student Loan Debt
$-0
2020 High Student Loan Debt
$-0
Your Child's Education Loans Often Comes With Strings Attached
At SF Life & Annuity, we help parents of college-age students find affordable life insurance to prevent that debt from falling to the parents in the event the child passes away before those loans are paid off or refinanced to the child as the sole borrower. Since the student is often 18 to 22 years old, this coverage is incredibly affordable for most families. Life insurance is also something that can be transferred to the child after college so that they have life insurance in place for years to come at the lowest possible price.
Would you protect yourself from this liability for $10-20 a month? Reach out to us today to find out more!
Secondary Education Loans
2020 Avg. Student Loan Debt
$-0
2020 High Student Loan Debt
$-0
Your student made the leap from graduating high school to a new and exciting college or university experience. For most students, paying for that college education comes at a high cost, and college loans are all but required to meet that cost. Too often parents co-sign the loans due to little to no credit history of their student. This creates a significant liability for many parents without ever understanding the risk associated with co-signing. The average student loan debt in 2020 was roughly $38,000 with highs ranging to $200,000 or more.
At SF Life & Annuity, we help parents of college-age students find affordable life insurance to prevent that debt from falling to the parents in the event the child passes away before those loans are paid off or refinanced to the child as the sole borrower. Since the student is often 18 to 22 years old, this coverage is incredibly affordable for most families. Life insurance is also something that can be transferred to the child after college so that they have life insurance in place for years to come at the lowest possible price.
Would you protect yourself from this liability for $10-20 a month? Reach out to us today to find out more!
Child Life Insurance protects for today and provides options for the future.
Life can be unpredictable. Children's Life Insurance provides peace of mind, knowing that you’ll have financial protection should the unthinkable happen. You likely don't depend on your child for income, but you can be prepared for things like final expenses and medical bills. You might need take off time from work to take care of your family. Life insurance allows you to focus on your loved ones, and give you one less thing to worry about during a difficult time.
Child Life Insurance protects for today and provides options for the future.
Life can be unpredictable. Children's Life Insurance provides peace of mind, knowing that you’ll have financial protection should the unthinkable happen. You likely don't depend on your child for income, but you can be prepared for things like final expenses and medical bills. You might need take off time from work to take care of your family. Life insurance allows you to focus on your loved ones, and give you one less thing to worry about during a difficult time.