We are on the cutting edge of insurance technology, using a “direct-to-consumer” model that automates most of the processes around generating quotes, evaluating customized policy options, medical underwriting and policy issuance.
The result is that 95% of our clients are able to get their life insurance policies in place within 15 minutes, with no medical exam necessary, no need to speak with a sales agent, and guaranteed coverage.
Our goal is to help people protect their life, health & wealth so they can make the most of what life bring.
LIfe insurance offers a range of benefits for you and your family. These include financial security, retirement planning, mortgage protection, final expenses, business protection, tax deductions and insurance loans. The benefits you want for your family will determine what type of policy you need
Asking the right questions is therefore critical when selecting a life insurance policy:
Life insurance policies come in different forms, with different features and options based on the insurance carrier. At Providence, we can help you navigate your policy options
Term life insurance is a life insurance policy that provides coverage for a limited period of time. It comes with a smaller initial premium and is typically purchased in large amounts to help with your short term goals.
Whole life insurance is a permanent type of insurance that gives you lifetime coverage and consistent premiums throughout the policy. This type of coverage also offers a guaranteed return on your policy’s cash value.
This is another type of permanent life insurance, and it comes with the additional benefit of having a savings and investment element. While some contain a flexible premium option, some require single or fixed premiums.
Variable universal life insurance offers lifelong protection for your family so long as premiums are paid. Like universal life insurance, premiums are flexible. There is also a flexible death benefit, and the investment variety can be attractive to many policyholders.
In order to provide our clients with the best products for their families, we partner with a long list of the top-rated carriers in the country.
As a responsible parent or spouse, you do a lot of little things to help the ones you love. Life insurance can be one more way you take care of them. Life insurance makes it easier for your loved-ones to transition into their lives without you.
Providing for your family and business partners with life insurance means leaving cash in a bank account. This liquidity can be critical, and is very different from having non-liquid assets like equity in your house or shares in a business. Your family can’t go to an ATM and withdraw $1,000 from your home’s equity.
Getting the right policy will ensure this happens.
Disclaimer: The information provided on this website is not intended as investment or financial advice, or as a recommendation to purchase any specific product. It is recommended to always consult a licensed financial or insurance professional before investing or purchasing any financial product. Detailed product information such as Surrender Yields, Premiums, Age Restrictions, Riders, Fees and Withdrawal provisions vary by product, and may be subject to change without notice. Agents & Brokers at Providence Direct, LLC are licensed in all states (except for New York).
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