Life Insurance
We educate you so you can make the right decision for you and your family.
Term Life Insurance
Affordable coverage for the time period you need!
Term life insurance is a type of policy that provides coverage for a fixed period of time, such as 10, 20, or 30 years. During this time, if you or your spouse passes away, your beneficiaries will receive a payout from the policy.
Term life insurance is considered the most affordable type of life insurance because it has no cash value unless a death benefit is paid out.
At HFN, we offer term life insurance policies with coverage options ranging from 10 to 30 years, and up to $65 million in death benefits. The amount of coverage and the length of the term will depend on your age, health, and other factors. In many cases, our term life insurance policies can be purchased without the need for a physical exam, making them a convenient and flexible option for your life insurance needs.
Final Expense
The Average Funeral Cost is $9,000.00
At HFN, we offer final expense insurance policies to help families protect themselves from the unexpected costs that can arise at the time of a loved one's death. Our final expense policies provide whole life insurance coverage that can be used to pay for expenses such as funeral costs, outstanding medical bills, and other debts.
With a final expense policy from HFN, you can have peace of mind knowing that your family will be protected from the financial burden of unexpected costs.
Our policies are designed to provide coverage that is affordable and flexible, so you can choose the right level of protection for your individual needs and budget.
Universal Life
Coverage that can grow to fit your changing needs.
At HFN, we offer universal life insurance policies that provide flexible, long-term protection for you and your loved ones. As a type of permanent life insurance, our universal life policies offer coverage for the duration of your life, as long as the premiums are paid. In addition to providing death benefits, our universal life policies also include living benefits that can provide financial support during your lifetime.
One of the key advantages of universal life insurance is its flexibility. With a universal life policy from HFN, you have the ability to adjust your premiums and coverage levels to suit your changing needs and circumstances. This means that you can tailor your policy to fit your budget and provide the right level of protection for your family.
In addition to the death and living benefits, our universal life policies also include a cash value component that can grow over time. This cash value can be accessed through withdrawals or loans, and can be used for a variety of purposes, such as children's education, supplemental retirement income, or other expenses. This makes universal life insurance a versatile and flexible option for your life insurance needs.
