Life Insurance Built Around You — Not One Insurance Company
Life insurance can serve a lot of different purposes, from protecting your family and income to helping with business planning or preparing for longer-term needs.
At Sumser Insurance Professionals, we work with many of the leading life insurance carriers and offer a wide range of coverage options. This allows us to look at different companies, policy types, underwriting guidelines, and pricing based on what you’re looking for.
Whether you’re considering coverage for yourself, your family, or your business, we can help you understand the options available and narrow down what may fit best.
Talk With a Life Insurance Advisor
Why Work With Sumser for Life Insurance?
Access to Multiple Leading Carriers
We aren’t limited to one life insurance company. We work with a broad range of carriers, including companies such as Erie Family Life, Symetra, MassMutual, Cincinnati Life, and others.
Having access to multiple carriers gives us the ability to compare coverage, pricing, policy features, and underwriting guidelines rather than relying on a single company for every client.
Understanding Life Insurance Underwriting
Life insurance companies don’t all evaluate applicants the same way.
Health history, medications, build, family history, tobacco use, and other factors can be viewed differently from one carrier to another. Because underwriting guidelines vary by company, we can look across multiple carriers when determining where an application may fit best.
Accelerated & Instant Approval Options
Getting life insurance doesn’t always require a lengthy underwriting process or medical exam.
Depending on the applicant, carrier, and coverage amount, accelerated underwriting and instant-decision options may be available. In other situations, traditional underwriting may provide additional options or more favorable pricing.
Personal Life Insurance
For individuals and families, life insurance can provide financial protection for the people who depend on you.
Coverage can be used for needs such as:
- Replacing lost income
- Paying off a mortgage or other debts
- Providing financial security for a spouse or family
- Funding future education expenses
- Estate and legacy planning
- Final expenses
- Long-term care planning
There isn’t one coverage amount or type of policy that works for everyone. We can help you look at your current situation, what you want the coverage to accomplish, and the different options available.
Life Insurance for Business Owners
Life insurance can also play an important role in protecting a business.
The death of an owner, partner, or key employee can create financial and operational challenges. Depending on the business and its ownership structure, life insurance can provide funds to help manage those risks.
We can help with:
- Key Person Life Insurance
- Buy-Sell Agreement Funding
- Business Succession Planning
- Ownership and Partner Protection
Business life insurance can range from relatively straightforward coverage to more involved planning. We can work alongside your attorney, CPA, or other advisors when needed to help coordinate the insurance side of the plan.
Life Insurance & Long-Term Care Options
We offer a broad range of life insurance and long-term care solutions through multiple carriers.
Term Life Insurance
Term life insurance provides coverage for a defined period, commonly 10, 20, or 30 years. It is often used to protect income, a mortgage, children, or other financial obligations during a specific period of time.
Whole Life Insurance
Whole life insurance provides permanent coverage and can include guaranteed premiums, death benefits, and cash value features according to the terms of the policy.
Universal Life Insurance
Universal life insurance is a form of permanent coverage that can offer additional flexibility in premiums, death benefits, and policy design.
Indexed Universal Life Insurance (IUL)
Indexed Universal Life is permanent life insurance with cash value growth tied in part to the performance of a market index, subject to the policy’s caps, floors, participation rates, and other terms.
Long-Term Care Insurance
Traditional long-term care insurance is designed to provide benefits for qualifying care needs, including care received at home or in a facility.
Hybrid Life & Long-Term Care
Hybrid policies combine life insurance with long-term care benefits. They can provide another option for someone looking to prepare for potential long-term care expenses while also maintaining a life insurance benefit.
Not sure which type of coverage makes sense?
We can walk through the differences and help narrow down the options based on your needs, priorities, and budget.
Health History? Your Options May Vary by Carrier.
Having a health condition doesn’t necessarily mean you can’t qualify for life insurance.
Insurance companies have different underwriting guidelines, which means the same medical history can result in different outcomes depending on the carrier.
If you have a medical history, take medications, or have other concerns about qualifying, we can look at the situation before deciding where to apply. In many cases, having access to multiple carriers gives us more than one avenue to consider.
Questions About Life Insurance?
You don’t need to know exactly which company, policy type, or coverage amount you’re looking for before reaching out.
If you’re not sure where to start, we’re happy to talk through what you’re considering, answer questions, and show you the options available.
