Our Insurance Services

Life Insurance

Life Insurance Plans

We offer a diverse range of life insurance products, such as term life, whole life, and whole life insurance with an irrevocable funeral trust.
Designed to protect your family and loved ones and cover final expenses, debt reduction, mortgage payoff, or survivor income.

Term Life Insurance:

Term Life Insurance is used for a combination of reasons, including to cover debt or loss of income. Term life insurance policies do not have a cash value but may be converted to a whole life policy when the term is nearing an end. 

Whole Life Insurance:

Whole Life Insurance is used to fund final expenses or settle some small debts. It also builds cash value tax free that can be used as collateral for a loan. Premiums are normally higher than a term life policy and it may be viewed as an asset for long-term care purposes.
 

Final Expense Insurance:

Final Expense Insurance is used to cover the final expenses the insured incurs after death. These operate much like a whole life policy with the requirement that all final expenses be covered first.

A Final Expense Funeral Trust policy is an additional option that shields it from all creditors and Medicaid until the funds have covered all final expense related costs. 

Life Insurance

Frequently Asked Questions

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Don't Take It From Us

Happy Client Reviews

Jeb & Cyndee Kaiser
11/30/22
“We have been clients of Val Johnson for over five years. We appreciate her guidance in selecting Medicare supplements. She has simplified the complex decision of choosing appropriate plans based on our individual needs. We recommend her services.”
Front of Insurance Associates building
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We offer 100% free consultations! Clients don’t pay us at all! Insurance companies reimburse us.
We’re a team of independent insurance agents so we can offer plans from a variety companies.

3413 Golf Rd
Eau Claire, WI 54701

2021 Cenex Dr. Suite E
Rice Lake, WI 54868