Life Health Insurance

Safeguard Your Family’s Future

Life is unpredictable, but your family’s financial security doesn’t have to be. At TrueGuard Financial, we offer tailored life insurance and health insurance solutions to protect your loved ones and provide peace of mind. Understanding the implications of not having coverage—and the benefits of the right policies—is crucial in building a solid foundation.

The Cost of Not Having Life or Health Insurance

Without adequate insurance, your family may face significant financial burdens in the event of illness, hospitalization, or death. Consider the potential expenses:

• - Funeral and Burial Costs: Ranging from $7,000 to $15,000.

• - Outstanding Debts: Mortgages, loans, and credit cards can transfer to your loved ones.

• - Medical Expenses: A hospital stay can cost up to $30,000; a broken leg up to $7,500.

• - Loss of Income: The sudden loss of your income can impact your family's ability to stay afloat.

Affordable Protection with Term Life Insurance

Term life is a cost-effective way to provide protection during critical years, like while paying a mortgage or raising children. Example: A 30-year-old non-smoker may pay just $20–$30/month for a $500,000 policy, depending on health.

Build Financial Stability with Whole Life & IUL

Permanent life insurance options like Whole Life and Indexed Universal Life (IUL) not only offer lifelong coverage, but also build cash value over time that can be used for:

• - Emergency Loans or Education Expenses

• - Supplemental Retirement Income

Secure Your Health and Financial Future

Health insurance is your most critical layer of protection. Without it, one emergency can throw your finances into chaos. We guide individuals and families through selecting affordable, effective health coverage.

Options for Individuals and Families

• - ACA Plans: May lower premiums from $1,200 to $400/month via subsidies.

• - Private Plans: For those who don’t qualify for ACA, private policies are available.

Options for Retirees

• - Medicare Parts A & B: Covers medical basics but excludes prescriptions.

• - Medicare Advantage (Part C): Offers added coverage, often includes vision/dental.

• - Medicare & Medicaid Dual Eligibility: Reduces premiums and out-of-pocket costs.

Take Action Today

Don’t leave your family’s future to chance. Contact TrueGuard Financial to explore life and health insurance options that align with your financial goals. Get the protection your loved ones deserve—and the peace of mind you’ve worked hard for.