Life Insurance
Protect What Matters
Ensure your loved ones are protected no matter what the future holds. While many think life insurance is only for younger families, it can play a valuable role no matter the stage of life you are in.
Whether you want to cover final expenses, leave a legacy, or provide a financial cushion for your spouse or children, the right policy can bring lasting peace of mind. Life insurance isn’t just about what you leave behind—it’s about knowing you’ve planned ahead, for yourself and the people you care about most.
Whether you're looking for a simple final expense policy or coverage to supplement your retirement planning, we’re here to help you explore your options with confidence
Setup a complimentary appointment to talk with our licensed Life Insurance Agents
Understanding Life Insurance: Whole Life vs. Term Life
As you plan for the future, life insurance can play an important role in protecting your loved ones and your legacy. Two of the most common types are Whole Life Insurance and Term Life Insurance—but what’s the difference, and which is right for you?
Whole Life Insurance
Think of it as lifelong protection with added benefits.
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Coverage Duration: Lasts your entire life—as long as premiums are paid.
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Cash Value: Builds a savings component that grows over time. You can borrow against it or use it later in life.
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Premiums: Typically higher than term, but they stay the same for life.
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Best For: Those looking for permanent coverage, estate planning, or a policy that builds value over time.
Term Life Insurance
Simple, affordable coverage for a set period of time.
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Coverage Duration: Usually 10, 15, 20, or 30 years.
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Cash Value: None—term policies are pure protection.
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Premiums: Lower than whole life, especially at younger ages, but can increase when the term ends.
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Best For: Covering short-term needs, like paying off a mortgage or protecting a spouse during retirement.
Life Insurance FAQs
Planning for the future can raise a lot of questions—especially when it comes to life insurance. We’re here to make things simpler. Below are some of the most common questions
FAQ
Do I really need life insurance at my age?
It depends on your goals. Life insurance can still be very helpful for:
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Covering final expenses
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Leaving a legacy for loved ones
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Paying off debts (like a mortgage)
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Helping with estate or tax planning
If your family would be financially impacted by your passing, a policy can provide valuable peace of mind.
FAQ
Is life insurance expensive
The short answer, Not always.
Term life is typically more affordable, but options like final expense or guaranteed issue policies are designed with seniors in mind. Costs vary based on age, health, and coverage amount—but many plans offer flexible options.
FAQ
Can I get coverage if I have health issues?
Yes, in many cases. There are no-medical-exam and guaranteed issue policies available that don’t require a health screening. These may have slightly higher premiums or lower coverage amounts, but they’re a great option if you’ve been turned down before.
FAQ
What’s the age limit for buying life insurance?
Many providers offer policies for seniors up to age 80 or even 85. The sooner you apply, the better your rates and coverage options may be.
FAQ
Can I use life insurance while I'm still alive?
If you have whole life or universal life insurance, your policy may build cash value. This means you could:
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Borrow from it
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Use it to pay premiums
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Withdraw funds (in some cases)
Term life policies do not build cash value.
FAQ
What happens to the money when I die?
Your beneficiaries (the people you name on the policy) receive the death benefit—a tax-free lump sum that can help cover costs, replace lost income, or simply provide financial support.
Get started with Life Insurance
At American Retirement and Health Solution we make getting Life Insurance easy. Whether you’re ready to apply or just want to ask a few questions, we are here to help.
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We work with multiple top-rated carriers, so you get the best options — not just one.
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We'll take the time to understand your situation and recommend the right kind of policy, not just the most expensive one.
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No pressure, no jargon — just honest answers and personalized help.
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Our services are always 100% free to you.