If you die, become disabled or are diagnosed with a critical illness, will your family's home be protected?

We offer the best Insurance with both protection and flexibility when protecting your family's future.  We offer you many Living Benefits too.

Here are some of the features and benefits of our amazing plans.  These are some of the reasons we are the finest out there, we have many multiple choices that are very affordable and you are guaranteed to find one for your families budget, we do the research for you.

Choice of Beneficiary: With our plans that you choose, you get to decide who receives the tax-free proceeds from the plan in the unfortunate event of a death.
 
At such a trying time, we make it easy for you, your beneficiary has several options available.  For instance, three of which are:

•  Pay off the mortgage in one lump sum;

• Invest the benefit and continue to make payments;

• Use the proceeds to relocate to a different home.

Most other programs take a long time and pay directly to the bank - so your beneficiary has no control.

Portable Coverage: If you decide to sell your home and buy another, or refinance your present home, this plan can simply move with you to continue to protect your next mortgage. 

This means regardless of how many times you move, you will never need to re-qualify for another program or risk losing the plan you have now with all these benefits at the great low rate. 

Most other programs are not flexible and will terminate your coverage immediately - your beneficiary has no control.

Death Benefit Remains Level: The death benefit remains level for the length of your mortgage.  With most  plans, benefits decrease each year while the premium remains the same, so your getting less for your money with those other programs.

If someone tries to sell you these decreasing term or credit life programs, ask them why the premium doesn't decrease along with the death benefit. - they won't be able to answer that question.

Premium is Planned Level For The Entire Term: The premium is planned level for the term of the coverage.  This means, your monthly payments stay the same for the life of the plan, they never increase.

Most other programs will increase your premium every year or every five years, this is called Annual Renewable Term, this takes more money every year out of your pocket, and it's very popular with most of the big name companies out there.

Death Benefit Paid For Any Cause of Death: Our death benefit will be paid regardless of cause of death - even suicide after the policy has remained in force for two years.

Most other programs out there will pay only for an accidental cause of death, with many stipulations and rules, which is also a highly unlikely statistical event and not likely going to happen for an adult, which is why those kind of programs are virtually useless.

No Act of War Exclusions For The Death Benefit: Our death benefit will be paid even if death occurs due to an act of war - declared or undeclared (terrorist attack).   In these days when many of us work in big cities, we can have peace of mind, our loved ones are protected.

Most other programs out there have this act of war exclusion built into their policy's in fine print.

  We are an Independent Broker: Of the top 50 A.M. Best Grade - "A" insurance carriers that we can do business with, we specialize in independently choosing the BEST program for you based on your needs, health profile, underwriting opportunity and your budget. **

Most other agents are "captive" meaning they can work only with one company and try to shoe-horn everyone into the one product (one size fits all approach), regardless if there is a better plan for you or not there.

Life Insurance that can ultimately return all your premiums!

While some other plans may offer protection at low cost, our life Insurance can ultimately return all of the premiums you have paid over the term period.

That’s right - with the availability of an optional Return of Premium Rider, many of our programs stands apart from the rest!  Plus, there is NO MEDICAL EXAM required**

With it, you can receive a refund of all premiums at the end of the term period.  It’s simple: you get the death benefit if you die and the money back if you live!  Any refund will be reduced by any rider benefits used, such as disability or waiver of premium. *

We can help safeguard your family’s future and enable your spouse and children to continue to live the life you would like them to without being burdened by financial worries. 

Such as to pay off your home instead of losing it, if something should happen to you, or spend the money anyway you please.

Contact your licensed Regional Consultant, Linda Overstreet at: (602) 421-3362, or email: Linda@wealthhere.com or complete this brief form for a free quote now!.

Linda specializes in the Arizona, Scottsdale area, although we are Nationwide and can help you.

* Refunds will be prorated if the policy is terminated prior to the end of the initial term period.  No refund is made if the policy is terminated less than six years from the issue date.

** Policy issuance depends on your answers to health questions on the application.

Consider all the facts, then make your own decision.

Our Objective: We are paid by helping you protect your family with the best plan at the best price.  A plan that you can afford to keep for the long haul.

Most other agents out there are paid by getting you into the most expensive program possible and selling you multiple programs by replacing what you bought before. 

So you won't hear any sales talk from us.  We will present your options with the objective of meeting your families needs AND meeting your budget.

Our popular and famous HomeCertain plans are backed up by a company that has over $18 billion plus in assets and are rated by AM Best as grade "A". 

You should feel very comfortable knowing that Old Mutual Financial Network are trustworthy, strong, reliable and was founded in 1845 and will be around long after you and I are gone.

For all the details about the dynamic HomeCertain or our many other products, please contact Linda Overstreet today. 

For your Free Mortgage Protection Consultation, please Create a Quote to see how to put a Mortgage Protection plan to work for you ! and someone will contact you as soon as possible. 

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