Life Insurance

Why Life Insurance?

Life Insurance is about life, your life. It's about how you want to live your life right now and 20 years from now. It's also about how your loved ones will like their lives when you're gone. USA Wealth Group offer innovative life insurance products that are flexible and have value. In these uncertain times, life insurance is a must. You and your family deserve to have life insurance coverage you can count on - in good times and bad.

Some of the Life Insurance Products that We Offer:

Term Life

Perfect if you need life insurance coverage for a specific period of time or have a limited budget.

This type of insurance is simple and can be inexpensive. There is a fixed term for the coverage usually between 1-30 years and may be renewed. If you pass away during the policy term, the beneficiary will be given a fixed amount of money. There, however, is no cash accumulation with term life insurance policies.

Universal Life

Ideal if you're planning for the future and need a versatile insurance policy designed to cover your entire life.

Universal life is a type of permanent policy that can achieve multiple goals. It builds up value over time and provides flexibility in premiums and income options. It also has a death benefit that can be left to your heirs.

Indexed Universal Life

Gives you the potential for growth at a higher rate of interest without the risk of being directly in the market.

Unlike traditional universal life insurance policy where the insurance company sets the interest rate, an indexed universal life policy credits interest to your cash value based partly on the upward movement of the major-market stock index.

Because we're  an independent organization, we can work with most carriers to find the best possible products for your needs. Once these choices are made, we can include them in your comprehensive plan that incorporates:

  • Estate Planning
  • Investment Planning
  • Retirement Planning
  • Insurance Planning

Our experience and objectivity throughout the planning process will increase your knowledge about your insurance needs, allow you to make informed decisions, and help you feel assured that you've made the best decisions.