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Leave a Lasting Legacy
The greatest legacy you have is your family and life insurance can help financially protect the people you love most from the unexpected. A personalized life insurance policy to fit you. You're unique and your life insurance should be based on your individual needs. Life Insurance Brokers Group will assess your life style and prepare a solution specific to you.
Our services are 100% digital, with no medical exams.
We make it easy for you to get an insurance quote without the inconvenience of a phone call. At Life Insurance Brokers Group, we understand this can be a hassle. So, we have eliminated this for you and we're happy to give you a quote by text-message from one of our licensed brokers.
We are a national insurance agency serving 50 states, specializing in Mortgage Protection, Life Insurance, Final Expense and other excellent life and health insurance products.
The members of our executive team share a common goal: To make sure you have the best possible experience as we help you protect your family and most valuable assets no matter your specific needs or circumstances. At LIBG, we are committed to a work environment in which all individuals are treated with respect, courtesy, honesty, and good faith.
We have an unparalleled carrier representation, and our team has vested interest in your satisfaction. We will work diligently to answer questions, solve problems, and protect you and your family. When you work with us you can expect the broadest range of options, competitive pricing, and exceptional service.
Mortgage Protection Solutions
Protection for the early years of home ownership.
Get a customized short or midterm protection insurance plan so that you can afford maximum protection when your mortgage balance is highest. Living Benefits such as Terminal, Critical, Chronic Illness, Nursing Home Care, Disability, and Return of Premiums are/ or can be included.
Long-term solutions for your mortgage.
81% of adults agree that buying a home is the best long-term Investment In the U.S. That's why we made sure our mortgage protection solutions have layered options of long-term protection, especially for seniors. Mortgage Payment Protection could take care of the high mortgage payments.
Complete mortgage protection and more.
Our mortgage protection solutions provide peace of mind and flexibility to customize your own policy. You can add riders, adjust your coverage, and take your policy with you if you move. Explore our full suite of life insurance options.
MORTGAGE PROTECTION helpful insights.
Mortgage payments are just the beginning.
Be sure to factor in other expenses such as property taxes, utilities, and maintenance fees.
Protecting your family is a key solution if something was to happen you.
Mortgage protection insurance is a type of life insurance policy that is designed to pay off the balance of your mortgage loan or pay off mortgage monthly payments. Mortgage protection insurance (MPI) can help your family cover your mortgage under certain circumstances, like an unexpected death, disability or a serious illness. A popular option to add to the policy is called "Return Of Premiums", in which you would get 100% cash back of all your premiums you paid into the policy if you outlive the term. Living benefits, such as terminal, critical, chronic illness and nursing home care are usually included.
Final expense is a smaller permanent whole life insurance policy intended to help older adults cover funeral costs and other end-of-life expenses. Sometimes called “funeral insurance” or “burial insurance,” final expense whole life insurance provides a guaranteed payout to help loved ones pay for a funeral service, burial or cremation, doctor or hospital bills, or other immediate expenses after a death. Like other types of permanent insurance, final expense insurance will never expire as long as you keep up with your premiums. Final expense also offers a savings component, called "cash value," and life-long permanent protection.
Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness such as cancer, stroke and heart attack. Critical illness policies work by paying a lump-sum benefit amount following the diagnosis of a covered condition up to $100,000 or more. You can use the funds from a critical illness policy to cover medical expenses, your mortgage, utility payments, or even grocery bills. A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work.
Whole Life Insurance
Whole life insurance that never expires with age and never changes in price. Whole life offers a savings component, called "cash value," and life-long permanent protection. It has benefits you can use while you're living that will give your financial plan even more flexibility. Whole life insurance builds cash value over time that you can use for anything. It can come in handy for unexpected expenses, putting your kids through college, expanding your business, upgrading your home, or as additional income in retirement. A guaranteed rate of return, the cash value of a whole life policy is guaranteed to earns a maximum amount of interest.
Term Life Insurance
A term life insurance policy is the simplest, purest form of life insurance: You pay a premium for a period of time, typically between 10 and 30 years. If you die during that time a cash benefit is paid to your family (or anyone else you name as your beneficiary). Term life is typically less expensive than a permanent whole life policy, and the premium will stay level as you age. Many people buy term life insurance for income replacement. They’re looking for life insurance that will provide funds for a family to pay expenses for a certain number of years if they are no longer there to work and earn money. Generally, the shorter the term, the less expensive term coverage can be.
Accidental death insurance is a stand alone policy that is designed to help provide financial support for your loved ones if you die from an accident. It is affordable coverage, with an easy application process. Coverage is guaranteed so you cannot be turned down as long as you qualify based on your current age. The policy covers death sustained from any covered injury, work-related or non-work related. This coverage pays up to $500,000 from an accidental death. It’s available for anyone between the ages of 18-70 with no medical questions.
Disability income (DI) insurance provides supplementary income in the event an illness or accident results in a disability that prevents the insured from working at their regular employment. Benefits are usually paid monthly so the insured can maintain a comparable standard of living and pay recurring expenses. Although some employer-offered plans and Worker Compensation can provide help during a disability, the quality and scope of the coverage may leave the disabled employee short of the protection they require. Many employer-offered plans are part of a suite of coverage and may not pay to the levels an employee needs to meet their expenses.
Universal Life Insurance
Universal life insurance is a type of permanent life insurance. You are covered for the duration of your life as long as you pay premiums and fulfill any other requirements of their policy to maintain coverage. Like many permanent life policies, universal life insurance combines a savings component (called "cash value") with lifelong protection. When you pass away, the policy's death benefit is paid out to your beneficiaries. The cash value of your account can cover the premium costs, and you may have the ability to lower or stop paying your premiums for a certain amount of time. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates.
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