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"We Provide Families With Essential Tools For Financial Literacy and Success."
FINAL EXPENSES
Final expense insurance, is meant to cover the cost of funeral and burial services. However, final expense insurance can also help to cover outstanding debts, probate fees, and other remaining expenses. This type of life insurance also allows you to choose your beneficiary, unlike burial plans. While a burial plan is usually payable to the funeral home, a final expense benefit goes straight to the beneficiary you choose. Final expense cover we offer is whole life policy.
WHY LIFE INSURANCE?
Life insurance in a popular vehicle for wealth transfer. However, due to the social economic status in many communities it is not affordable or understood. Life insurance is also call income replacement. The death benefit allows the beneficiary to receive a tax free lump sum to maintain the same standard of living.
Term life insurance guarantees payment of a stated death benefit if the policyholder dies within the stated term period. Term periods may last anywhere from 1 to 30 years. However, term life insurance may be less costly than other life insurance options, such as whole life or permanent insurance.
Term life policies are ideal for people who want substantial coverage at low costs. Customers who own whole life or permanent insurance pay more in premiums for less coverage but have the security of knowing they are protected for life.
There are some insurance companies that offer living benefits to cover health or disability conditions. To name a few benefits of insurance policies.
TAX FREE BENEFITS
Current legislation acts allows for the tax free accumulation, access and transfer of your money. This is covered in depth within the Master Classes on Estate Planning.
MASTER CLASSES
Our Master Classes is designed to educate and promote understanding in the areas of Estate as well as Retirement planning. Classes are separated into video segments with written explanation. Financial Professionals will monitor your progress and are available to assist you as needed. You can schedule phone or video consultations from within the Master Class. Our primary goal is to educate clients so they can confidently set goals and educate their family.
Overview of Master Classes
Some Common Terms You Should Know
Comprehending Insurance Basics
Final Expenses
Benefits of Term Life Insurance
Whole Life?
Universal Application of Index Universal Life
Family Planning and Tax Free Strategies
Benefits of Internal Revenue Code
Look At A Private Plan
Compare Private Plan To Bonds
Deferred Compensation Accounts
Compare Private Plan To Deferred Compensation Account
How Do I Get Started
Here What Our Fans Have to Say
Here are comments from our beloved clients
My final expense policy was submitted after one meeting. Within the week my policy was approved and in force. I was also able to cover my grandchild for an extra "dollar a month".
Marie G.
Starting my life policy was an easy and stress free process, especially during the pandemic. A feeling of relief came over me when my insurance coverage was in place.
Rochelle S.
The website is very easy to navigate and very detailed with information. I also really like how easy it is to set up an appointment.
Cassaundra E.
I appreciate someone always being available to answer my questions. I also like being able create my will and price shop for burial services..
Charles J.
I was set up in a wonderful burial/ final expense plan by Mr. Shabazz. I rarely write recommendations due to the fact that I have found very few worthy of it. Being a retired Insurance Professional, I know the importance of good customer care. I have found it a rarity during these days. However, after consulting with Mr. Shabazz I feel it to be an honor in writing this. Not only did Mr. Shabazz exhibit high standards of professionalism but he was able to patiently guide me through the process. I am elderly now with severe hearing lost. He never rush me or made me feel unimportant even though my plan was a relatively small plan in comparison to others he may write. So. if you want someone who cares about you and well versed in the industry, you need to look no further. Mr. Shabazz is your man.
Stephanie G.
Companies We Work With
+1 510 602 2041
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info@htoew.com
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