Services Details
We offer a wide range of insurance services with the top carriers from Gerber Life to Lloyd's of London.
Term life insurance provides simple, affordable coverage for a set period—usually 10, 20, 30 and even 40 years. It’s designed to protect your loved ones during life’s most important stages, ensuring they’re financially secure if something happens to you.
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Budget-Friendly – Term life is often the most affordable way to get high coverage.
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Covers Major Financial Obligations – Ideal for protecting your family while paying off a mortgage, raising kids, or saving for retirement.
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Flexible Coverage Periods – Choose a term length that aligns with your financial responsibilities.
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Mortgage or Rent Payments – Ensures your family can stay in their home.
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Income Replacement – Helps replace lost income so your loved ones can maintain their lifestyle.
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Debt & Everyday Expenses – Covers outstanding loans, bills, and future costs.
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Education Costs – Helps fund college tuition or school expenses for your children.
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Final Expenses – Provides funds to cover funeral and medical costs.
At Go Insure Direct, many of our term life policies come with living benefits at some no extra cost! This means you can access your policy’s benefits if you experience a critical, chronic, or terminal illness, helping cover medical bills, long-term care, or lost income while you're still alive. Some policies differ with how these can be used and some come with just terminal and others with all three.
Whole life insurance is a
permanent policy designed to protect you and your loved ones for a
lifetime—not just a set number of years. It guarantees a
death benefit for your beneficiaries while also
building cash value that you can use during your lifetime.
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Guaranteed Lifetime Coverage – Your policy never expires as long as premiums are paid.
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Fixed Premiums – Your payments stay the same, no surprises or rate increases.
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Builds Cash Value – A portion of your premium grows tax-deferred, allowing you to borrow against it for emergencies, retirement, or other financial needs.
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Final Expenses & Funeral Costs – Ensures your family isn’t burdened with high out-of-pocket costs.
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Income Replacement – Provides financial security for your loved ones after you're gone.
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Legacy Planning – Helps pass on wealth to your children or grandchildren.
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Debt & Estate Taxes – Protects your assets and covers outstanding financial obligations.
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Business Protection – Can be used for buy-sell agreements or key person insurance.
Many of our whole life policies offer living benefits, allowing you to access your policy’s death benefit if you experience a critical, chronic, or terminal illness. Plus, your growing cash value can be borrowed against for unexpected expenses, education costs, or even supplemental retirement income.
Final expense insurance is a simple, affordable life insurance policy designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. It ensures that your loved ones won’t face financial stress during an already difficult time.
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Easy Approval – No medical exam required; most applicants qualify.
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Lifetime Coverage – As long as premiums are paid, your policy never expires.
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Affordable Premiums – Fixed, predictable payments that fit your budget.
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Funeral & Burial Costs – Helps cover services, caskets, cremation, and more.
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Medical Bills – Pays for outstanding hospital and hospice expenses.
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Credit Cards & Small Debts – Relieves your loved ones of financial burdens.
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Legacy Gifts – Leaves a small inheritance for your family or a charity of choice.
Some of our final expense life insurance may come with free funeral planning and or concierge service at no extra cost.
Universal life insurance (UL) and indexed universal life insurance (IUL) offer permanent coverage with flexibility, allowing you to adjust your premiums and death benefit as your financial needs change. Both options build cash value, but IUL takes it a step further by offering market-linked growth potential with downside protection.
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Adjustable Coverage & Premiums – Modify your policy to fit your changing financial situation.
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Lifetime Protection – Stay covered for life as long as premiums are maintained.
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Builds Cash Value – Your policy accumulates value over time, which you can borrow against if needed.
IUL works like universal life but allows your
cash value to grow based on stock market index performance (such as the S&P 500). It provides:
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Higher Growth Potential – Cash value can grow faster than traditional universal life.
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Downside Protection – Your money is not directly invested in the market, so you won’t lose value due to market downturns.
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Tax-Advantaged Growth – Your earnings grow tax-deferred, making it a smart strategy for retirement planning.
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Income Replacement – Protects your family’s financial future.
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Estate & Legacy Planning – Pass wealth to your loved ones or a charity.
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Business Protection – Helps fund buy-sell agreements or key person coverage.
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Supplemental Retirement Income – Use cash value as a tax-free income stream in later years.
Both UL and IUL policies often include living benefits, allowing you to access funds in case of a critical, chronic, or terminal illness. Plus, your cash value can be used for emergencies, education costs, or retirement income while you’re still alive.