Time To Protect Your
Family and Secure Your
Financial Future
At Loving Life Insurance Ladies, we are dedicated
to protecting what matters most to you
with integrity and love.
Protect What Matters Most
At Loving Life Insurance Ladies, we work hard to find you an affordable, personalized whole life insurance plan.
Your happiness is our main concern as we
prioritize your financial goals with
high interest earning IUL's and
whole life plans for ages 0-89
Crafting extraordinary plans tailored to your specific needs.
Ease the financial burden from your family with our whole life final expense plans which include permanent whole life protection with cash value growth along with living benefits at no additional cost. Affordable for all income levels and all approved no matter your health. Coverage available for ages 40 - 89 for up to 50K lifetime coverage without cancel regardless of health changes. Receive peace of mind and have one less thing to worry about as you protect your loved ones from life's inevitable transition.
Indexed Universal Life Insurance (IUL) also known as Infinite Banking is a form of permanent life insurance investment plan for those 59 and under and fairly healthy that provides both a death benefit from 25K to 4 million and a cash value feature. Unlike traditional whole life insurance, the cash value in an IUL policy grows based on the performance of the S&P 500. This high interest growth potential offers policyholders the opportunity to benefit from tax free market growth while still maintaining protection against losses. Lapse free guarantee up to age 120. Lending and withdrawal options are included so in essence you're your own bank and you can utilize it to prepare for retirement, cover future large purchases while also leaving a lasting legacy gift to your loved ones.
Our Senior Life Plans are designed for those on a fixed or limited income which includes a special exclusive program in which major expenses for final expenses are cut in half and locked in which protects against the rising cost of final expenses. This program comes with a whole life final expense policy to cover everything. Ideal for those looking for 4K - 30K in coverage ages 0 - 89 and still cover you your whole life with a fixed rate that never changes and does not cancel. All approved no matter health.
Give your child the financial head start they deserve with our high interest grow up plans. Unlike other basic grow up plans our IUL plans for juveniles ages 0 - 17 experience high interest cash value tax-deferred growth possibility based off the S&P 500 along with protection against loss and overtime can assist your child with college education costs, acquiring their first home, funding their future business and other dreams they may have to give them a head start in life and place them on a good
financial footing from day one.
Fixed premium rate that never increases
Easy Underwriting
Permanent protection that never cancels
Extremely Affordable
Cash value growth accumulation
All Approved No matter health
Living Benefits at no additional cost
Fast Approval
Friendly, Professional Service
Frequently Asked Questions
Common Questions Answered for your convenience.
Can I have more than one policy?
Yes, you can have multiple policies and in most cases insurance companies have a limit as far as how much coverage you can obtain with their company so having policies with different carriers allows you to diversify your insurance portfolio and secure more protection for your family. Also multiple policies serve different purposes and have diverse living benefits as well that may apply differently for each one.
What's the difference between Term and Whole Life Insurance?
Term insurance only covers you for a certain amount of time up to a certain age and if you're still living once you hit that age you will no longer be covered as the policy terminates - hence why it's call term. Term insurance premiums increase as you get older can cut you off due to a health issue as its at the discretion of the insurance carrier, whereas whole life insurance is a fixed rate that never changes and will cover you your whole life even if your health were to change as long as premiums are paid. In addition, term does not build any cash value at all whereas whole life insurance builds cash value while it's in place that you can borrow from if you ever need to and which also increases the value of the policy.
I don't have children, do I still need insurance?
Yes, though you may not have children you still need insurance because once you pass away someone from your family will still be responsible for paying for your final expenses as the State does not pay for it. Also you may benefit from the living benefits that come with our plans that you may utilize while you're still living if you ever become chronically, terminally or critically ill, and you would also benefit from the cash value growth inside your own policy that is there for you if you ever need to borrow from it you can pull from it at anytime with all of our plans.
While most insurance companies do not cover those in a nursing home, we do. So yes, we still can cover your mom even if she's currently in a nursing home.
Yes, our plans are very affordable, most starting at only $1 a day and our licensed life insurance professionals do the heavy lifting for you by comparing prices to ensure that you have the most affordable fixed rate and the best plan with the most benefits.
Will my policy cancel if I get sick down the line?
Unlike term insurance where the plans cancel if you get sick or diagnosed with something down the line, our whole life and permanent plans do not cancel due to sickness, which is another reason why you want to obtain coverage while you're the most healthy you'll ever be since you're the youngest you'll ever be so that if, God forbid, something happens later you and your family are already protected with the best plan possible.
Do I still need life insurance even though it's offered through my job?
While you may have life insurance through your job, it's still a good idea to have your own separate life insurance policy because the insurance through your job is owned by your employer and not you - you're the insured and they may be the payor but they actually own the policy, which is why in many cases when you retire you won't be able to take it with you. And with insurance, you don't want to wait until you retire to take out your own insurance policy because your age and health at the time determine your premium rate so it's better to acquire life insurance while you're the youngest and healthiest you'll ever be so the premium will be the most affordable and the cash value will accumulate so long as you have it in place which increases the value of it as well.
While most insurance companies will deny your mom based on her health and age, or agency has partnered with carriers that can still cover her so to answer your question, yes we can still find coverage for your mom even with her cancer diagnosis. We cover all regardless of health.
Yes, you can take out insurance on others as long as there is insurable interest and you can also be the owner, payor and beneficiary of the policy while they are the insured.