Life Insurance Services: Protecting Your Future with Expertise and Care
Take control of your financial future and provide security
for your loved ones.
Reach out to us to explore a diverse portfolio of life insurance services that offer more than basic protection. We possess an in-depth understanding of your individual circumstances and financial objectives, and we're dedicated to offering solutions that truly matter. Get in touch with us today
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Decades of Industry Experience
With a long-standing career in the insurance industry, we bring decades of knowledge and expertise to every interaction. We've witnessed the ever-changing landscape of insurance and financial services, and this experience equips us to provide you with informed guidance and trusted solutions.
Client-Centric Flexibility
Your needs are at the heart of everything we do. Whether it's crafting a customized insurance plan, helping you find your dream home, or guiding you toward sustainable energy solutions, our approach is tailored to you. We adapt to your specific circumstances, ensuring you receive the highest level of service and support.
Navigating Life Insurance Options
Robin Betton is a specialized life insurance agent, focusing on telephone sales. Her expertise lies in providing life insurance solutions with a death benefit that remains constant regardless of age or health changes. These benefits can be paid to your chosen beneficiary and are not subject to federal income tax. Additionally, the policies accumulate cash value, which can be accessed in times of emergencies or other financial needs.
We offer a range of life insurance options, including:
- Term Life Insurance with Return of Premium: This policy provides coverage for a specified term and returns premiums paid if the policyholder outlives the term.
- Whole Life Insurance: Offering lifelong coverage, this policy not only safeguards your loved ones but also grows as a cash value asset over time.
- Accelerated Living Benefits: These benefits allow you to access a portion of the policy's death benefit if you are diagnosed with a terminal illness, providing financial support when you need it most.
- Legacy Builder Generational Wealth Transfer Life Insurance: Single Premium Whole Life Insurance: This unique policy offers a single premium payment option and serves as a valuable legacy-building tool.
- Everest Funeral Planning & Concierge Services:rolled into a life insurance plan. When help is needed, our 24/7 Advisors are one phone call away, ready to personalize the funeral plan, compare and negotiate best prices, and work with the insurance company to get monies to the beneficiary in as little as 48 hours after death.
We also provide guaranteed plans for specific situations, such as HIV/AIDS and cancer.
For seniors aged 60-89, life insurance is essential to cover final expenses, leave an inheritance, or pay off outstanding debts. However, it's crucial to note that premiums for senior life insurance policies can be higher due to increased age-related risks.
There are various types of life insurance policies available for seniors:
- Term Life Insurance: This policy offers coverage for a specified period but may be harder to obtain for seniors over 80.
- Whole Life Insurance: Providing lifetime coverage, this policy also functions as a cash value asset that grows over time.
- Final Expense Insurance: Also known as burial or funeral insurance, this type of whole life insurance offers a smaller death benefit and is primarily used to cover end-of-life expenses. It's relatively easier to qualify for, even with health issues.
- Guaranteed Issue Life Insurance: This policy does not require a medical exam and accepts most applicants. However, it typically comes with higher premiums and lower coverage amounts.
Robin Betton Life Insurance Agency offers life insurance services across Maryland, Washington DC, USA, Virginia, Delaware, Pennsylvania, New Jersey, California, Washington State, Tennessee and Arizona.