Life and Health Insurance

Finding the right Life and Health Insurance products can be challenging in today’s insurance environment. Michelle Lebel Agency offers a complete line of individual health and life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies and will place your account with the company that will provide you with the coverage and benefits you want.

Michelle Lebel Agency can help you make sound, informed decisions about issues affecting your life, health, and insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace of mind.

For more information, you can read our Life Insurance FAQs below.

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Our life and health insurance policies include:

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for. With so many different options to choose from, the cost for a service, burial plot, casket, and headstone can range anywhere from $1000 to $10,000, and the grieving period is no time to be making complicated financial decisions.

Final expense insurance is a perfect alternative to traditional life insurance because it is more affordable, no medical exam is required, and premiums will not increase over time. In addition, final expense insurance can provide funds to your family within 24-48 hours of your passing whereas traditional life insurance plans can take weeks to pay out. This instant, short-term monetary relief can be crucial for staying current with mortgage payments and covering day-to-day living expenses.

No longer a luxury, final expense insurance is a necessity. So what are you waiting for? Give yourself and your loved ones peace of mind today.

Life insurance from Michelle Lebel Agency can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:

Term Life Insurance

Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1-year annual renewable term.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.

Universal Life Insurance

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments – i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.

Whole Life Insurance

Whole Life Insurance provides permanent protection for the whole of life – from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever canceled.

These products are continually changing and we can provide you with the latest information and policies available!

Read our Life Insurance FAQs

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