Essential Benefits Insurance Group specializes in Life Insurance Products that provide Peace of Mind.

Whole Life/ Final Expense

Locked in premium and coverage. Policy builds cash value over time. Whole Life is the easiest to qualify for, especially if you have pre-existing medical conditions. 

Term

Term insurance is cheaper than whole life insurance. It provides coverage for a specific time. It is a great way to get big death benefits at a more affordable rate.  

Index Universal Life

Index Universal Life Insurance has gained popularity over the last decade to provide life insurance and create a tax advantaged income stream for the future.  

Medicare Supplement Insurance

Fill the gaps in your Medicare coverage and reduce out-of-pocket healthcare costs.

Long-Term Care Insurance

Health insurance that covers care when you can no longer take care of yourself and do not qualify for Medicaid. It can encompass nursing home care, home health care, and assisted living services. 

Hospital Indemnity Insurance

Cash payable to you for inpatient hospital.

Cancer Insurance

A lump sum will be payable to you upon the diagnosis of invasive cancer. Funds can be used to cover treatment, travel, medication and recovery. 

Critical Illness Insurance

A lump sum will be payable to you upon the diagnosis of invasive cancer, heart attack, stroke, organ transplant or dementia. 

Hybrid Life Insurance

These policies combine the features of traditional long-term care insurance with permanent life insurance.  

Annuities

Create guaranteed life-time income or use for long- term care needs 

Principal Protected 

Great options for 401k Rollover 

Beneficiary Liquidity Plans

Guaranteed Issue ages 0-90 

Pay a Lump-sum of $2,500-$100,000 

Growth Rate 3.35%

Beneficiary gets paid with-in 48 hours with no need of a death certificate 

Verification of death by licensed funeral home 

we are committed to providing comprehensive life, Medicare and safe retirement benefits customized for your unique needs.

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