Life Insurance and Ancillary Benefits

Protect What Matters Most with Comprehensive Coverage

Our Providers

Secure Financial Peace of Mind for You and Your Loved Ones

Explore Life Insurance and Ancillary Benefits with LXV Advocates

Planning for the unexpected doesn’t have to be overwhelming. LXV Advocates is here to guide you in selecting life insurance plans and ancillary benefits that protect your family’s future. From trusted providers like Prudential, MetLife, and Guardian, we offer a wide range of customizable plans tailored to your needs, including dental, vision, and supplemental health benefits.

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Benefits

Financial Security for Loved Ones

Life insurance provides a safety net for your beneficiaries, helping to replace income and cover essential expenses.

Flexible Supplemental Benefits

Options like critical illness and accident insurance offer financial protection in the event of serious health challenges or injuries.

Customizable Coverage

Select from a variety of life and ancillary plans to build a package that suits your unique needs and budget.

Affordable Premiums

Enjoy competitive rates for comprehensive protection and peace of mind.

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Tailored Coverage to Meet your Life and Ancillary Benefit Needs

What Do Life Insurance and Ancillary Benefits Cover?

Life insurance and ancillary benefits provide a range of protections designed to give you peace of mind and financial security. These benefits include:

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We've got answers

Frequently Asked Questions

1.What is life insurance?

Life insurance provides financial protection for your loved ones in the event of your passing. It helps cover expenses, replace lost income, and support beneficiaries, ensuring they have a financial safety net during difficult times. We offer life insurance plans from reputable providers, including Prudential, MetLife, Mutual of Omaha, and AIG, giving you peace of mind with reliable coverage.

2.What types of life insurance are available?

Life insurance options include term life, whole life, and universal life insurance. Term life offers coverage for a set period, while whole and universal life provide lifelong protection with the potential to build cash value over time. Our selection includes policies from leading providers like Banner Life, Lincoln Financial, and State Farm to suit your unique needs.

3.Who needs life insurance?

Life insurance can benefit anyone who wants to ensure financial security for their loved ones. It’s especially valuable for those with dependents, debts, or future financial obligations. Providers such as John Hancock, Nationwide, and Transamerica offer plans that can be customized to meet your specific coverage goals.

4.How much life insurance coverage do I need?

The amount of life insurance you need depends on your income, debts, dependents, and future expenses, like college tuition or mortgage payments. Our experts can guide you in determining an appropriate coverage amount with plans from providers like New York Life, Guardian Life, American Amicable, Mutual of Omaha and many others!

5.Can I adjust my life insurance coverage over time?

Yes, many life insurance policies offer flexibility for adjustments as your needs change. Whether you want to increase your coverage or explore additional options, providers such as Northwestern Mutual and Protective Life offer adaptable policies to ensure your needs are met.

6.What is a beneficiary?

A beneficiary is the person or entity who will receive the death benefit from your life insurance policy. You can choose one or multiple beneficiaries, ensuring the people who matter most are financially supported after your passing. Providers like Principal and Allianz offer policies with flexible beneficiary options.

7.How are life insurance premiums determined?

Life insurance premiums are based on factors like age, health, lifestyle, and the type and amount of coverage selected. Our advisors can provide personalized estimates and help you find a policy with providers such as Pacific Life and MassMutual that aligns with your financial plan.

8.Can I use my life insurance policy while I’m alive?

Certain life insurance policies, like whole or universal life, may accumulate cash value over time, which can be accessed through loans or withdrawals. Providers like Fidelity Life and Brighthouse Financial offer flexible options, but it’s important to understand how this impacts your policy.

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