Life insurance lies at the core of any well-rounded financial plan. Life insurance can be used to satisfy a variety of financial needs and concerns, such as:
- Final Expense Costs
- Mortgage Protection
- Income Replacement
- Tax-Free Investment for Retirement
- Long-Term Savings Plan
- Coverage of Estate Taxes
- Long-Term Care (Nursing or In Home) Coverage
Here at Southern Harvest, we offer a variety of insurance products and companies to help fill these needs and eliminate these concerns. With access to virtually any major company in the world, you can be sure we will find the right product at the right price for you.
Give us a call at 1-800-239-6558 or come into any of our office locations near you for a free needs analysis, so we can help you discover which type and amount of insurance can fulfill your personal needs.
Whole Life Insurance
Sold in amounts from $15,000 to no set maximum, Whole Life Insurance is the oldest and most well-known coverage tool, featuring:
- Guaranteed level premiums for life, or a specified period of time (10 years, 20 years, etc.)
- Guaranteed cash value.
- Level death benefit that never changes from day one of the policy.
- Paid-up insurance options and available cash loans.
Term Life Insurance
Usually sold with minimum amounts of coverage starting at $50,000, term life insurance is an affordable means of protecting you and your family against catastrophic loss. Often sold in amounts of $1,000,000 or more, term coverage helps protect you during the prime years of your life when mortgages, income replacement and future expenses such as college for kids are prime concerns. Features include:
- Level premiums and coverage for up to 30 years.
- Low cost coverage.
- Guaranteed convertability to permanent coverage during the life span of the policy.
Sold in amounts from $25,000 and up, universal life coverage combines the affordability of term coverage with the lifelong coverage of whole life, as well as providing the opportunity for protection against inflation. Features include:
- Lifetime coverage and available options to insure level premiums and coverage.
- Lower premiums than whole life insurance.
- Cash values with a minimum interest rate that may increase with changes in the market.
- Flexible premium payment.
Also referred to as "burial coverage," final expenses can be sold in amounts ranging from $3000-30,000 in coverage. These policies are usually purchased specifically to cover funeral costs. Features include:
- Limited health questions and underwriting.
- Whole life coverage.
- Guaranteed cash value.
- Quick and easy claims payment.
- Coverage for people with more severe health issues (often covered with a graded death benefit program with limited coverage in the first two years).
- Available single premium payment.
Issued in the amount of $25,000, Southern Harvest offers a children's program that provides lifelong guaranteed protection for your most precious asset. Our "first step" program offers children and grandchildren up to age 17 a low-cost insurance they can take over for themselves later in life, and choose to convert or increase later on without any medical questions. Features include:
- $25,000 of coverage for $70 per year.
- Coverage that stays the same until age 30.
- Convertible at age 30 for up to $50,000 permanent insurance with no medical questions.
Other Available Features
Long Term Care Rider: Monthly cash payment based on the face amount of the policy for the specific use of paying for nursing home or in home care.
Return of Premium Rider: Full return of all premiums paid into a life policy at the end of the policy term.
Family and Child Rider: Low cost term coverage on specified immediate family members, as part of the primary insured's policy.
Accelerated Benefit Rider: Prepayment of up to 50% of the face amount of a policy for the diagnosis of a terminal illness.
Accidental Death: Increase of death benefit of up to double the face amount if you are killed in an accident, for a very low additional cost.
Looking for health insurance that fits your situation?
If you're having a hard time finding coverage that meets your needs, compare the advantages of our health plans, underwritten by Southern Harvest Insurance Company. We make it easy to match your circumstances with plan benefits and monthly premiums
Due to the recent changes in the Affordable Care Act, now is a great time to review your health insurance needs and coverage.
We can help you find the health insurance policy that will not only provide you with the coverage you need but will also ensure that you are not paying too much. The costs associated with medical care can be crippling if you do not have medical insurance. A health insurance policy can provide you with the ability to get regular checkups with your doctor, get the prescriptions you need at an affordable price and get any emergency treatments required to keep you healthy.
The cost of paying a monthly premium will pale in comparison to the cost of paying for emergency treatments in many situations. As we discuss your healthcare needs we can be sure that you have a health insurance policy that has a monthly premium that you can afford. We will also assess the cost of your associated co-pay to ensure that we have found the perfect insurance plan for your specific situation.
We have an extensive amount of experience helping clients in the area find health insurance policies that are unique and well suited for each client.
Be sure to stop by our office or give us a call should you have any questions about your health insurance policy or if you are shopping for a health insurance policy. We can help you understand what plans are available and which plans are going to work the best in your life. We are excited to work for you and help you invest in a safer and healthier future.