*The states we do business in include Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin
Texas Department of Insurance Consumer Protection Department:
*In order to check out an agent’s complaint history, call the Texas Department of Insurance and tell the customer service representative that you want to check the complaint history of an agent. Provide the representative with the agent’s name and Texas Insurance License number.
Grant’s Texas License Number: 841396
For other states, you can use Grant’s National Producer Number: 1237963
Burial Insurance, also called Final Expense Insurance, is normally a small amount of whole life insurance. It is very popular with seniors who are trying to cover the high cost of burial and other final expenses. It usually does not require an exam, and if a person can answer “No” to a series of 6-10 health questions, they can get the coverage.
Purchasers usually say something like this, “We’re not trying to make anybody rich, we just need a small amount of insurance (normally $5,000-$20,000) to cover our final expenses so we don’t burden our family with final expense costs.”
While some people choose to purchase a burial insurance policy, others might choose to cover their final expenses by using term or universal life insurance instead. Speaking with a knowledgeable and honest agent can help you make the decision that is right for your individual needs. Give us a call, we would love to visit with you about your options!
Whole Life Insurance is designed to last your “whole life.” This type of coverage requires that you pay a fixed premium amount every month. Because this coverage lasts your entire life, you never have to worry about outliving it. Whole life insurance is best bought by someone who needs the coverage to be in effect whenever they pass away, even if it is in the distant future. Many times these are people trying to cover end of life costs, such as funerals and left over debt.
Keep in mind, whole life insurance will normally cost more than term insurance because of the guarantee that someone will be paid in the end. Whole life is normally best for those age 65 and over who need smaller amounts of coverage. There are certainly exceptions to these general rules. A knowledgeable agent can help you determine if whole life insurance is the best type of coverage for your needs. Give us a call so we can answer all of your questions.
Atlantic Coast Life
Mutual of Omaha
United Health Care
Mutual of Omaha
Sentenial Secrutiy Life
United Home Life