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What Life Insurance is

Right For You?

Secure Your Family's Future

Why Choose Dental Insurance?

1. Comprehensive Coverage

  • Preventive Care: Enjoy 100% Immediate coverage on routine exams, cleanings, and X-rays.

  • Basic Procedures: Up to 70% Immediate Coverage for fillings, extractions, and more.

  • Major Procedures: Up to 70% coverage after one year-Support for crowns, bridges, dentures, and root canals.

2. Affordable Plans

  • Plans starting as low as $30.50 for individual and $59.50 for Individual/Spouse Coverage.

  • No hidden fees, with transparent pricing that fits your budget.

3. Nationwide Network

  • Access to thousands of dentists and specialists across the country.

  • Choose your provider with confidence. Providers out of network can submit claims at the same reimbursement rate as In Network Providers

4. Easy Claims Process

5. Family Coverage

  • Protect your entire family under one plan or individual and spouse.

6. Flexible Options

  • Customizable plans to fit your unique needs.

why choose life insurance

Why Choose Life Insurance

Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.

Reasons Why You Should Consider

Buying Life Insurance

Life Insurance can give you lasting peace of mind in terms of the assurance that you have provided a legacy. That’s because the right coverage can offer a valuable combination of benefits, so that you and your loved ones know exactly what you’re getting. Some of the most common reasons for buying life insurance include:

GUARANTEED PROTECTION

If you have a family, a business, or others who depend on you, the life insurance benefit of a policy acts as a financial safety net. When you die, your beneficiaries will receive a lump-sum payment that is guaranteed to be paid in full (provided all premiums are paid and there are no outstanding loans). It’s essential protection that you can count on to be there for your loved ones when needed.


INCOME REPLACEMENT

Imagine what would happen to your family if the income you provide suddenly disappeared. With life insurance, you can help make sure that your loved ones have the money they need to help:

  • Pay the mortgage

  • Afford childcare, health care, or other services

  • Cover tuition or other college expenses

  • Eliminate household debt

  • Preserve a family business

  • Tax-free benefits

Your beneficiaries will be able to enjoy every penny you leave them. That’s because the benefit of a life insurance policy is generally passed along federal income tax free.

INDEX UNIVERSAL LIFE POLICY

When you make a payment, we allocate the net premium to the index account(s) or the Basic Interest Account, based on your instructions. These account options have the potential to earn interest on a tax-deferred basis, increasing the cash value of the policy. You may opt to use a cash accumulation strategy that allocates net premiums to more than one account option for the opportunity to earn different rates of interest.

The Financial Foundation IUL® gives you the opportunity to grow your policy value through excess index interest that may be credited to your policy based partly on changes in the major stock indexes. There are limitations on when you can transfer policy value between account options, but since transfers are tax-free, any earnings are protected from the erosive effect of taxes. I’d love to talk you through the different options and help you to select one that’s right for you.

GUARANTEED CASH VALUE GROWTH

As you pay your premiums, your Whole Life policy builds cash value that is guaranteed to grow — tax deferred — and can help meet a variety of financial goals:

  • Supplement retirement income

  • Fund a child or grandchild’s education

  • Pay off a mortgage

  • Protect existing assets

  • Establish an emergency fund

OPTIONAL RIDERS

There are several ways to tailor a life policy to meet your individual needs. For an additional cost, you can use riders to purchase additional protection without further underwriting, to pay your premiums if you become disabled, to use some of your face amount to pay for chronic illnesses, or to purchase coverage for your children. I can help you decide if any of these riders are right for you.


DIVIDEND POTENTIAL

One of the benefits of purchasing life insurance is that you will be eligible to receive dividends. Although they are not guaranteed, when dividends are awarded, you can take them in cash, use them to offset your premiums, or use them to buy paid-up additional insurance that increases your coverage and cash value, use them to offset your premiums, or take them in cash.

LIVING BENEFITS

One of the main advantages of polices I recommend are living benefits. These benefits can help with long-term care expense or medical expenses as an overall part of your financial planning.

Long-term care insurance is expensive. This is a way to provide life insurance protection along with avoiding medical and terminal illness expenses.

  • Terminal Illness Accelerated Death Benefit

  • Chronic Illness Accelerated Death Benefit

  • Critical Illness Accelerated Death Benefit

Please reach out with any questions you have regarding the differences in each.

Complete Life Insurance Protection For Your Loved Ones

Learn more about the types of Life Insurance that are available to you through the Donald Brown Insurance Agency

Types Of Life Insurance Available

FINAL EXPENSE INSURANCE is for seniors and people with severe health issues. They may discuss these plans with an agent to provide some type of burial/funeral policy in the event of death. Most policies have a time limit to pay the full benefits (two years is common). If death occurs before the period, the insurance company will pay back the premiums paid in plus a rate of interest. Some companies currently are offering 8-10% interest on the premiums paid.

FINAL EXPENSE INSURANCE
GROUP LIFE INSURANCE

GROUP LIFE INSURANCE is usually offered by the company that an employee works for. Many do not have the same term after an employee leaves or a more expensive policy with limited death benefits. May be cheaper to buy an individual policy if not subsidized by the company.

GROUP LIFE INSURANCE is usually offered by the company that an employee works for. Many do not have the same term after an employee leaves or a more expensive policy with limited death benefits. May be cheaper to buy an individual policy if not subsidized by the company.

GROUP LIFE INSURANCE

GUARANTEED ISSUE LIFE INSURANCE usually comes with a more expensive premium due to health condition or less restrictive underwriting by the insurance company.

GUARANTEED ISSUE LIFE INSURANCE
INDEX UNIVERSAL LIFE

INDEX UNIVERSAL LIFE INSURANCE is a flexible permanent life insurance policy that lets you decrease or increase how much you pay toward premiums. If you decrease how much you spend on premiums, the difference is withdrawn from your policy’s cash value. If you increase the premium more cash value is built in the policy. What is different the policy has additional features that let you participate in indexes linked to stock market returns.

An Index universal life insurance policy can be a good fit if you’re looking for some flexibility in your life insurance and want to earn higher returns over a fixed interest rate.

INDEX UNIVERSAL LIFE INSURANCE is a flexible permanent life insurance policy that lets you decrease or increase how much you pay toward premiums. If you decrease how much you spend on premiums, the difference is withdrawn from your policy’s cash value. If you increase the premium more cash value is built in the policy. What is different the policy has additional features that let you participate in indexes linked to stock market returns.

An Index universal life insurance policy can be a good fit if you’re looking for some flexibility in your life insurance and want to earn higher returns over a fixed interest rate.

INDEX UNIVERSAL LIFE

JOINT LIFE INSURANCE really has two components: It is a shared, or joint, policy, guaranteed over a specific set of years, or term. A joint policy can cover any two people — even business partners. Generally, these policies are popular with married couples interested in the benefits a joint plan can offer. The Benefits of Joint Insurance. The number one reason to purchase a joint term life insurance plan is the cost.

JOINT LIFE INSURANCE-
mortgage protection insurance

MORTGAGE PROTECTION INSURANCE is a type of insurance policy that helps your family make your monthly mortgage payments if the policyholder(s) and mortgage borrower(s) die before your mortgage is fully paid off. Some MPI policies will also offer coverage for a limited time if you lose your job or become disabled after an accident. Some companies call it mortgage life insurance because most policies only pay out when the policyholder(s) dies. One disadvantage maybe the decreasing term face amount of the policy is lower as the mortgage is paid down over the term of the mortgage. Term life may be better to offer a level death benefit over the same amount of time versus decreasing term.

MORTGAGE PROTECTION INSURANCE is a type of insurance policy that helps your family make your monthly mortgage payments if the policyholder(s) and mortgage borrower(s) die before your mortgage is fully paid off. Some MPI policies will also offer coverage for a limited time if you lose your job or become disabled after an accident. Some companies call it mortgage life insurance because most policies only pay out when the policyholder(s) dies. One disadvantage maybe the decreasing term face amount of the policy is lower as the mortgage is paid down over the term of the mortgage. Term life may be better to offer a level death benefit over the same amount of time versus decreasing term.

mortgage protection insurance

SIMPLIFIED ISSUE LIFE INSURANCE offers Whole Life or Term insurance coverage to those who don’t qualify for other policies. Almost always doesn't require a medical exam. Instead, you answer a few questions about your health. The shorter application process gets you almost immediate coverage, but because the health evaluation isn’t as thorough, insurers set a higher premium for a lower coverage amount.

However, simplified issue policies can help seniors or people with certain pre-existing conditions get coverage to pay for final expenses. Sometimes people want to avoid Paramed Exams and want the convenience of the fast issue of a policy.

SIMPLIFIED ISSUE LIFE INSURANCE
TERM INSURANCE

TERM INSURANCE is one of the most popular types of life insurance as a policy provides a higher coverage at a lower cost. Term is the most popular type of life insurance for most people because it’s straightforward, affordable, and only lasts for as long as you need it. Term insurance is one of the easiest and cheapest ways to provide a financial safety net for your loved ones.

TERM INSURANCE is one of the most popular types of life insurance as a policy provides a higher coverage at a lower cost. Term is the most popular type of life insurance for most people because it’s straightforward, affordable, and only lasts for as long as you need it. Term insurance is one of the easiest and cheapest ways to provide a financial safety net for your loved ones.

TERM INSURANCE

Ready To Explore Your Options?

Thanks Don!

"Hello my name is Wanda C. I wanted to take a moment to say that I am a client that has been working with Donald Brown for a while to help assist me in getting prepared for my retirement. I am satisfied with the knowledge that Donald has in helping me to acquire and position me for my retirement when that time comes. I look forward to continuing working with Donald Brown as him and I continue to work towards my goal of retirement."

~ Wanda C. ~

Highly Recommend!

"Don Brown is a former classmate of mine who I reconnected with on social media. I found out he has extensive knowledge of finance and began working with him on my situation. His education and experience lends to a thorough and comprehensive assessment of your situation, which allows him to recommend solutions to your financial needs. His advice proved to be invaluable. He then began working with me on our Life Insurance needs and was able to secure for us at a fair cost insurance to protect us both. I highly recommend Don as your financial planner!"

~ Tina b. ~

Address : 411 Buchloe Drive Marysville, OH 43040

Address : 411 Buchloe Drive Marysville, OH 43040

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