Skip to content Accessibility info

Life Insurance

Life Insurance

G & G we are passionate about the importance of this insurance product. This is the only policy which offers peace of mind to our clients.  Without it one may not have enough for retirement, to cover critical, chronic, and terminal illnesses expenses. 

G & G Insurance seeks carriers that not only offer awesome products but provide financial opportunities in local communities by offering scholarships, and money to favorite non-profit organizations.  

We also offer carries who cover numerous pre-existing medical diagnoses such as diabetes, high blood pressure, 

Life is a journey filled with precious moments, shared experiences, and the bonds we build with loved ones. Along this path, there are also uncertainties and responsibilities, and safeguarding the future well-being of those we care about is paramount.

This is where life insurance, a financial tool designed to provide security and peace of mind, takes center stage.

Understanding Life Insurance

Life insurance is a fundamental aspect of responsible financial planning, offering protection and support to your loved ones when you're no longer able to.

It serves as a contract between you and the insurance provider, ensuring that in exchange for regular premium payments, a predetermined sum of money, known as the death benefit, will be paid to your chosen beneficiaries upon your passing.

Just as every individual's life journey is unique, life insurance can be tailored to meet your specific goals and circumstances.

You can customize coverage amounts, choose beneficiaries, and select policy options that align with your financial objectives.

Types of Life Insurance

Life insurance comes in various forms, each suited to different needs and objectives:

Term Life Insurance: Provides coverage for a specified term, typically 10, 20, or 30 years. It is often chosen for its affordability and straightforward coverage.

Whole Life Insurance: Offers lifetime coverage and includes a cash value component that grows over time, providing both protection and an investment element.

Index Universal Life Insurance (IUL): Combines the flexibility of term insurance with an investment component, allowing policyholders to adjust premiums and coverage.

Final Expenses: This insurance is for those who are looking to cover their final expenses. These policies also offer guaranteed issue options as well. 

Living Benefits Insurance:  These insurance policies offer what are called living benefits- they pay a percentage of our death benefit click here to learn more. 

How to Quote and Apply:

 Ethos offers term, whole life, and final expense insurance you can quote and apply without a medical exam. 

 Back9 offers all of the above insurance products from over 90 carriers you can quote and apply on your own time at home and we can help you process the application if needed. 

If you require more involvement we are always a phone call or Zoom away.