T&C Life Insurance Company
Life Insurance | Mortgage Protection | Final Expense | Retirement Protection | Critical Illness & Disability
T&C Life Insurance Company
Life Insurance | Mortgage Protection | Final Expense | Retirement Protection | Critical Illness & Disability
Veteran Owned and Operated Trey & Cenisha
TERM LIFE INSURANCE
TERM LIFE INSURANCE
Term life insurance provides coverage for a predetermined amount of time, typically 10, 15, 20 or 30 Years. Death benefit will payout if the policyowner passes away within the term of the policy.
Cost effective option for young growing families or individuals looking for more affordable coverage. There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
We provide the best Life Insurance services for our clients in West Virginia, Maryland, Virginia North and South Carolina, Texas, Tennessee, Washington State, Idaho, Louisiana, and Georgia.
FINAL EXPENSE WHOLE LIFE INSURANCE
FINAL EXPENSE WHOLE LIFE INSURANCE
Final expense insurance, also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary. This coverage can ensure that your loved ones aren't left with a financial burden, as the average funeral can cost $10,000 or more. Even if you have not been approved for Life insurance in the past, Final Expense Insurance can often be the Solution! with much higher approval ratings regardless of Medical Conditions.
INDEXED UNIVERSAL LIFE INSURANCE
INDEXED UNIVERSAL LIFE INSURANCE
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policyowner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains. Indexed accounts protect the insured from market decline with a guaranteed floor. Policy illustrations provide the policyowner with historical data to assist with making informed decisions on which markets to invest in.
Cash value can grow tax-deferred. Can be structured to include living benefits, allowing the policy owner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs. -
FIXED INDEXED ANNUITY -
FIXED INDEXED ANNUITY -
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
A type of tax-deferred insurance product. Can be structured to provide income for life, acting as another resource for retirement income. Provides protection from market decline with a guaranteed floor.•
WHOLE LIFE-
WHOLE LIFE-
Whole Life offers our clients the ability to choose the timeframe in which they wish to pay-up their policy in years earlier, or at retirement. Or, they can make premium payments through life, or choose any paid up period.
This feature helps to give your clients ultimate financial control over their policy and provides them with a level of convenience other policies may not offer. With the ability to pay up their policy sooner, your clients may be able to pay less cumulative premium and potentially build more cash value.
Our Services
Our Services
Browse our services below
Browse our services below
MORTGAGE PROTECTION
MORTGAGE PROTECTION
Mortgage Protection is a type of insurance policy that helps your family make your monthly mortgage payments if you – the policyholder and mortgage borrower – die.
TERM LIFE INSURANCE
TERM LIFE INSURANCE
Term life insurance provides coverage for a predetermined amount of time, typically 10, 15, 20 or 30 Years. Death benefit will payout if the policyowner passes away within the term of the policy.
FINAL EXPENSE
FINAL EXPENSE
Final expense insurance, also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary.
WHOLE LIFE INSURANCE
WHOLE LIFE INSURANCE
Whole Life offers our clients the ability to choose the timeframe in which they wish to pay-up their policy in years earlier, or at retirement. Or, they can make premium payments through life, or choose any paid up period.
