At Masson Insurance Services, we specialize in providing tailored and affordable life insurance solutions designed to bring you and your family lasting peace of mind.
Our experienced brokers offer a range of life insurance options, including whole life policies for final expenses and mortgage protection plans to secure your family’s financial future in the event of unexpected death or terminal illness. Trust us to help you find the perfect life insurance coverage for your unique needs.
Whole Life Insurance
Whole life insurance provides a permanent and secure financial solution, offering lifetime protection for you and your loved ones. With no waiting period, our reputable carriers guarantee continuous coverage and a level premium for the life of the policy, provided premiums are paid. Whole life insurance policies also include valuable living benefits and build cash value over time. Discover how whole life insurance can effectively address your funeral and final expense needs today.
Mortgage Protection
Mortgage protection life insurance provides temporary coverage aligned with your home mortgage term, offering financial security for your family. Typically structured as term life insurance, these plans are available in durations ranging from 10 to 30 years, often in 5-year increments depending on age. Should a death occur within the chosen term, the benefit can help your beneficiaries manage significant debts, including your mortgage. Some mortgage protection life insurance policies may offer a conversion option to a permanent policy or a return of premium feature upon term expiration. Additionally, many mortgage protection life insurance plans include living benefits for chronic, critical, and terminal illnesses.
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) represents a sophisticated form of permanent life insurance that combines lifelong protection with the potential for cash value growth tied to the performance of major market indices, such as the S&P 500®. A key advantage of IUL is its ability to offer participation in market gains while providing a safeguard against market downturns, protecting your cash value from losses. Furthermore, indexed universal life policies offer valuable flexibility in premium payments and death benefit options, allowing policyholders to adapt their coverage to evolving financial circumstances.
Retirement Planning
Secure your financial future with an annuity, a versatile retirement planning instrument offering a blend of safety, growth potential, and contractual guarantees. Within an annuity, all earnings benefit from income tax-deferred growth until withdrawal, allowing your money to compound more effectively over time. Annuities can be structured to provide a reliable stream of income payments tailored to your individual needs, including options for lifetime income.
Veterans Life Insurance
Did you know that coverage through VALife (Veterans Affairs Life Insurance) has a mandatory two-year waiting period, no matter your health? Were a veteran to pass away within the first two years, a beneficiary will only receive the amount the veteran paid in premiums plus 3.59% interest. Not only that, but premiums increase each year with the veterans age. Many veterans may believe funeral services will be covered by the VA, however non-service connected deaths are only eligible for a $978 burial allowance.
Guaranteed Acceptance Life Insurance
Guaranteed acceptance life insurance offers a straightforward path to permanent whole life coverage with a simplified approval process. This type of policy requires no medical questions or examinations, ensuring guaranteed acceptance regardless of your current health or health history. Premiums for guaranteed acceptance life insurance are contractually guaranteed never to increase, and after a standard waiting period, the coverage provides lifelong protection, provided premiums are paid.
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