Protect What Matters
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Protecting your loved ones with reliable life insurance solutions. Our life insurance plans ensure your loved ones are protected, covering final expenses, mortgages, other debt, and more. Start today to secure their tomorrow
Our Products
Crafting extraordinary events tailored to your unique vision.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses. These will cover you for life and prices will be locked in, meaning premiums won't increase nor will your coverage end.
Mortgage Protection
Mortgage Protection Insurance is designed to ensure that your mortgage payments are covered in the event of an unexpected life event, such as disability, illness, or death. With this, you can protect your home and loved ones from the financial strain of missing mortgage payments during tough times.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth. It can be set up to help supplement your retirement plan.
Fixed Indexed Annuities
A Fixed Indexed Annuity (FIA) is a type of insurance product designed to help you grow your retirement savings with minimal risk. By linking your returns to a stock market index (such as S&P 500), FIA's offer the potential for higher returns than traditional fixed annuities, while also providing protection against market downturns.
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Testimonials
Very Professional
"Destiny is very knowledgable about plans and options for life insurance that suit your needs. She is professional and clearly explains each plans benefits"
Results beyond expectations
"I never thought I'd need to use my life insurance so soon, but when the unexpected happened, Destiny made sure that the claims process was smooth. It really made a tough time easier."
Trustworthy and reputable
"I have been working with Destiny as my life insurance agent and she has always been there for me with any questions or concerns, I know I can rely on her no matter what."
Frequently Asked Questions
Common questions answered for your convenience
What is Life Insurance?
Life Insurance is a contract between you and an insurance company where you pay premiums in exchange for a lump-sum payout (death benefit) to your beneficiaries upon your death. It provides financial security to your loved ones after you're gone.
What are the different types of Life Insurance?
Term Life insurance: Provides coverage for a specified period of time (e.g., 10, 15, 20, 25, or 30 years) and pays out only if you pass away during the term.
Whole Life Insurance: Offers lifelong coverage with a guaranteed death benefit and the ability to accumulate cash value over time.
Universal Life Insurance: Flexible coverage that combines death benefit protection with the opportunity to build cash value.
How Much life insurance do I need?
The amount of life insurance you need depends on factors like your income, debts, the number of dependents, and future financial goals. A common rule of thumb is to have coverage worth 10-15 times your annual income, but its best to speak with an advisor for a personalized assessment.
Do I need a medical exam?
It depends on the type and amount of coverage you apply for. Some policies may require a medical exam to assess your health, while others offer "no-exam" options, typically for smaller coverage amounts or younger, healthier individuals.
How does cash value on a policy work?
A portion of the premiums you pay goes toward the death benefit, while another portion goes into a cash value account. Over time, the cash value grows based on interest, dividends, or investment returns, depending on the type of policy. You can borrow against the cash value of your policy, typically at a low interest rate. However, any unpaid loans and interest will reduce your death benefit.
What is an Annuity & how does it work?
An Annuity is a financial product that provides a series of regular payments made to you, either immediately or at a future date, based on the terms of your contract. It is typically used to provide a steady income stream, often during retirement. You purchase an annuity by making a lump-sum payment or a series of payments to an insurance company
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