Johsua Life Insurance

Do you want to get life insurance but aren’t sure where to start? Let the team at Life Insurance by Monique Navarro help you pick a policy from one of the many different types of life insurance. We’re a team of licensed agents who work with the leading life insurance providers in Joshua.

Our company is independently owned and operated, so we can compare different policies from various companies to get you the best rates. We’re appointed with the industry’s best companies and are locally owned and operated.

When you contact Life Insurance by Monique, you’ll get personalized service you can trust. We are dedicated to getting our customers to pick a life insurance policy with the right amount of coverage that fits their specific needs.

Minimal Requirements

Final expenses life insurance in Joshua is a type of policy with the lowest requirements to get a policy. In most cases, our team can find you a final expenses policy, or burial insurance policy that doesn’t account for your age or medical condition.

While these policies are more expensive than others, policyholders usually don’t have to meet minimal requirements or undergo a medical exam. This is a great option if you want to relieve some of the financial burdens that come with end-of-life expenses.

Final expenses life insurance can provide funds to pay for your medical bills, legal expenses, outstanding debts, burial costs, and more Most people find these policies give peace of mind and reduce or eliminate expenses placed on your family at the time of your death.

Minimal Cost

If you’re looking for the best, low cost life insurance, then you should consider a policy for term life insurance in Joshua. Term life insurance is temporary insurance designed to provide your family with financial support if you pass away unexpectedly.

These plans have term limits that can be as little as one year or as long as 30 years. A term life insurance policy will only pay out if the policyholder passes away during the term of the policy. There are some term life policies with a return of premium benefit.

A return of premium benefit, or cash back benefit, will return a portion of the premium paid during the policy term. This is a great benefit if you want coverage at the lowest rate while also building savings.

Maximum Benefits

If you want to maximize the benefits you receive with your life insurance policy, you should consider a permanent life insurance policy. Permanent life insurance policies will not expire so long as the premium is paid on time.

Whole Life Insurance

Whole life insurance in Joshua is a type of permanent insurance with several benefits not available from term or final expenses plans. These plans have a fixed premium and a death benefit that doesn’t decrease as the policyholder ages.

Whole life insurance policies also have a cash value. This means that the policyholder can use the policy’s cash value if needed. Many people use these policies as a form of emergency funds.

Universal Life Insurance

Universal life insurance in Joshua is similar to whole life insurance policies. UIL life insurance has additional benefits, including the ability to have a flexible policy. Universal life policies earn interest because a portion of the premium is invested in the stock market. Policyholders can use interest earned to pay their premiums. They are also able to adjust their death benefit as they age.

Call Life Insurance by Monique Navarro at (951)710-0799 for help choosing the best life insurance policy for your specific needs.