Need help with Employee Benefits? Talk to us.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Life Insurance
Life insurance replaces your income, pays off the house and covers final costs if the unexpected happens. We’ll help you find the right amount and the right type, at a price that fits.
Need the most coverage for the least?
Coverage for 10, 20 or 30 years at the lowest price. Ideal while you’re raising kids or paying off a mortgage.
Want coverage that never ends?
Whole and universal life last your lifetime and build cash value you can borrow against.
Just want final costs covered?
A smaller policy for funeral and end-of-life bills, often with no medical exam.
Why It Matters
Group life is a great start, but it’s usually a set amount, like one or two times your salary. And it often ends when you change jobs or retire, right when it’s harder to qualify on your own.
Free Calculator
Add up what your family would need, subtract what you already have, and see the gap. Change any number to fit your life.
Compare
More Than a Death Benefit
What if you get seriously ill?
Many policies let you use part of your benefit early if you’re diagnosed with a terminal, chronic or critical illness.
Want income you can't outlive?
An annuity turns savings into steady income for retirement, starting now or later, with fixed, indexed or variable options.
Qualifying
Healthy and putting it off?
Premiums are based on your age and health when you apply. Every birthday and every new diagnosis can raise the price.
Worried about the medical exam?
Most policies ask health questions, and larger ones may need a quick exam. Healthy nonsmokers in their 40s to 60s often find good rates.
Have health issues?
Some final expense plans accept everyone with no exam. The trade-off: a smaller benefit, and a limited payout in the first two years or so.
Questions
A contract that pays a sum of money to the people you choose, your beneficiaries, when you die. It helps them replace your income and cover what you leave behind.
If someone depends on your income, or your savings wouldn’t cover your debts and final costs, you probably do. If no one relies on you financially, a small final expense policy may be all you need.
A common rule of thumb is 10 to 12 times your yearly income. A better answer adds up your actual needs: income, mortgage, debts, college and final costs. Try our calculator.
Sooner is usually better. Rates are based on your age and health when you apply, so buying while you’re younger and healthy locks in a lower price.
It often ends. Some group policies let you convert or carry coverage with you, usually at a higher cost. Having your own policy means you don’t have to worry about it.
In most cases, no. A death benefit paid because of the insured person’s death generally isn’t taxable income, though interest earned on it is. Large estates can have other tax rules, so ask your tax advisor.
We’ll figure out how much coverage you need, compare quotes from top-rated carriers and explain every option in plain English. In-person or virtual.
The calculator gives a general estimate, not a recommendation. Coverage, features and prices depend on the carrier, policy and your health. Living benefit and annuity features vary by contract. Not tax or legal advice. Security First Benefits Corporation is a licensed insurance agency, and this is a solicitation of insurance.
Security First Benefits Corporation
2357 Stonebridge Dr.
Flint, MI 48532
Let’s chat about our dedicated employee benefit and compliance advisory services, in addition to value-add administration and HR tools.
Healthy young people tend to put life insurance on the back burner while they spend their money on buying a home, starting a family, or paying off student loans. The truth is, the longer you wait to get life insurance, the more your policy will cost you.
Most life insurance policies require medical underwriting, meaning you must disclose your health issues and most likely will be required to go through a medical exam for approval and rating. While those in their 40’s and 50’s, even to age 60, will pay more in premiums, if they are nonsmokers in good health, they shouldn’t have an issue getting an affordable policy.
Looking for guaranteed issue? Final Expense insurance is a good option. These types of policies generally don’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Other Important Disclaimers: Security First Benefits Corporation is a licensed health insurance agent authorized to market Medicare Insurance Plans. This is a solicitation for insurance. Please note a sales agent may call as a result of your inquiry for a quote. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.
Security First Benefits Corporation is not part of the Federal Medicare System.
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