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About Life Insurance
Buying life insurance is an important decision, and you have options. Learn more about the different types of life insurance, and what is best for you and your family.
Term Life Insurance
Term life insurance pays your beneficiaries a set amount of money in the event of your death. This protection is available for a set period of time, or term, which is typically 10, 20 or 30 years.
Permanent Life Insurance
Permanent life insurance lasts your entire life and accumulates cash value for you. You can use the cash value account to pay policy premiums or as a source to borrow or withdraw funds any time.
Final Expense Insurance
Final expense insurance lasts your entire life and pays your beneficiaries a set amount of money in the event of your death. The payout is smaller than other insurance types and is typically used to pay for end-of-life expenses like funeral costs and medical care.
Browse life insurance plans and choose what works for you.
Get life insurance in 3 easy steps.
1. Tell us about yourself
Answer a few easy questions. This will filter over 670,000 policy options down to the ones that fit your personal needs.
2. Browse quotes
Browse quotes that are recommended to you. Easily view and compare the policy options then select one or a few.
3. Apply or get free assistance
One of our licensed agents will answer any questions you have and walk you through next steps to easily apply.
Frequently asked questions
How does life insurance work?
An insurer makes regular payments to a company and, if they pass away, their beneficiaries receive a payment.
Why do I need life insurance?
Because the future is uncertain and no matter how healthy someone is today, it’s possible for them to pass away tomorrow. By purchasing life insurance, you will ensure that no matter what happens to you, your family will receive financial security to be alright.
Do I need to take a medical exam to get coverage?
In some cases an exam will be necessary, but for many it is not. Many of the policies found on my website can get you approved without one by using electronic health records.Electronic health records sync to your medical provider and send the insurance company your health history. This greatly diminishes the need for invasive medical exams and chances are you won’t need one. The introduction of electronic health records into the industry have greatly diminished the need for them.
When should I get it?
It’s never too early to get coverage. In fact, the younger you get it, the cheaper your premiums will be because your health is less of a risk. Most young people wait until they’re older or they’ve hit a life milestone, but you can get it at any age.
About Capital Assured Planning Agency
Jonathan Pickens- Licensed Insurance Consultant/Owner
As a 20-year career financial services professional, Jonathan is passionate about helping people understand how the right financial decisions can positively impact their future and the future of their families.
Jonathan founded Capital Assured Planning Agency after recognizing that many people don’t have Life Insurance because they believe they can’t afford it and that it’s not accessible to them.
With access to over 30+ A rated carriers, we shop the market to find you the most amount of coverage at a price that fits comfortably within your budget. We offer plans for all age groups up to age 85, most of which do not require a medical examination and can be approved within minutes. Being approved for Life Insurance has never been easier!
In being your trusted resource, our job is to make sure you understand the options available to you so that you can make an informed decision that best fits your needs and goals!
Whether you're looking to provide income or debt protection for your family in the event of a premature death or use life insurance as a tax-free retirement supplement, we’re here to serve as your guide and would be honored to assist you!
