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Life Insurance

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Life Insurance

Good Life Insurance offers a complete line of individual life insurance products that are made to meet you and your family’s specific needs


Choosing a life insurance plan is never easy or the most comfortable thing to do but at Good Life Insurance we explain life insurance so that you understand it while answering all of your questions along the way.


We know what it takes to provide and care for your families insurance needs. We also understand both the immediate and the ongoing expenses that would have to be met if you suddenly weren’t there. You may not know how simple it can be to purchase life insurance coverage so that, should the unexpected happen, the financial resources your family needs will be there. We are here to help you find the amount of coverage you and your family are going to need in order to cover such expenses.


At Good Life Insurance, our main goal is to make choosing a suitable plan for you and your family easy and hassle-free. We are able to search top competitors to find the best possible options for you .

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Term Life Insurance

A good way to think about Term Life Insurance is, Term Life Insurance pays a death benefit if the insured person dies within the term of the policy. Term life insurance offers level premiums for a specific period of time — generally 10, 20, or 30 years. The initial level premium tends to be lower than comparable permanent coverage. And proceeds may help your family financially if the unexpected happens when they still have major expenses. Generally, the shorter the term, the less expensive term coverage can be. While premiums remain level for the term period, they will rise if you decide to continue the coverage beyond the level premium period.

Your answers to a few health questions determine your eligibility. Fully underwritten plans require the completion of a physical and lab work before coverage may be issued.

Its pretty easy to determine if you need Life Insurance, all you have to do is answer the following question. if you were to suddenly pass away, would your death be a financial burden on your family? If you answered Yes, then term life insurance may be for you.

Comparing Term to Permanent Insurance

Term Life Insurance

Provides coverage for a limited time period (term), if premiums are paid.

Provides a death benefit, but typically no cash value.

Initially, less expensive form of life insurance.

May be renewable or convertible.

Permanent Life

Provides lifetime coverage, if premiums are paid.

Cash value accumulates over time and
creates an asset which may be used during your lifetime.

Level premiums.

Some types of permanent insurance offer flexible premium payments and level or increasing death benefit options.

Whole Life Insurance

You have a growing family — and the financial obligations that come with it. Let’s say you have a house with a 30-year mortgage, a 48-month auto loan and a college fund you’ll start using in 10 years. In a circumstance like this, a term policy might be an economical way to carry a large amount of life insurance.

Whole life insurance is a type of permanent life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid on time. Permanent life insurance is different than term life insurance, which covers the insured person for a set amount of time. Whole life insurance is the most common type of permanent life insurance policy that people purchase. Because whole life insurance gives you fixed premiums and a fixed death benefit, you won't have to worry about increased premiums as you get older. And, your loved ones will also know how much to expect when your life insurance benefit is paid out after you pass away.

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A few reasons why whole life insurance can be an appealing choice. Your premiums are fixed and will never go up, regardless of market conditions. You may be able to withdraw funds or take out a loan. Your death benefit is guaranteed as long as you make the required premium payments.
A whole life policy can serve as a source of emergency funds for you if something goes wrong, or you may be able to take out a loan against the policy. That's because a portion of each premium payment you make is funneled into a savings component of the policy called the “cash value"

Over time, the cash value of your policy increases, and you may have the option to withdraw funds or borrow against it. The rules on how and when you can do this vary by company and policy. Your insurer may also offer guidelines to follow so that you don't inadvertently reduce the policy's death benefit or create a tax burden.

If you're considering a whole life insurance policy, it may be a good idea to talk it over with the agents at Good Life Insurance. We can help you review the different options before you make any decisions. That way, you can be confident you've  chosen the life insurance policy that works best for you and your family.

Universal Life Insurance

Universal life insurance is permanent life insurance with an investment savings element and low premiums that are similar to those of term life insurance. So unlike term life insurance, a Universal Life insurance policy can accumulate cash value. Policyholders can adjust their premiums and death benefits.

Like a savings account, a Universal Life Insurance policy accumulates cash value which policy owners can then access without affecting the guaranteed death benefit. The cash value earns interest based on the current market or minimum interest rate, whichever is greater. As a policy owner, you can borrow from this accumulated cash value with no tax implications.

Unlike whole life insurance policies, which have fixed premiums over the life of the policy, a UL insurance policy can have flexible premiums.

If you're considering a Universal Life insurance policy, it may be a good idea to talk it over with the agents at Good Life Insurance. We can help you review the different options before you make any decisions. That way, you can be confident you've chosen the life insurance policy that works best for you and your family.

Final Expense Insurance

Final Expense Life Insurance is a form of financial relief in a time of loss helping families deal with grief, rather than worry about burial expenses. Final Expense is a fixed death benefit (ranging from ($10,000 -$40,000) paid directly to your beneficiary, who may or may not use it to help pay final expenses. As long as premiums are paid as reported, the death benefit is guaranteed.

Premiums also stay level and can be paid beyond the age of 100. For people between 50 and 85, final expense insurance is an affordable way to give your family peace of mind during a difficult time.

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