Affordable Health Coverage

Mortgage protection life insurance policies are often cheaper than traditional life insurance policies because the benefit amount decreases over time as your mortgage balance decreases.

Mortgage protection life insurance ensures that your family will have a roof over their heads even if you're no longer there to provide for them financially.

Knowing that your loved ones won't face the risk of losing their home due to an inability to make mortgage payments can provide peace of mind.

If you have dependents or a spouse who relies on your income to pay the mortgage, mortgage protection life insurance ensures that they can remain in the home without the burden of mortgage payments if you pass away unexpectedly.

Term life insurance provides a death benefit to your beneficiaries if you pass away during the policy term, offering financial protection during critical periods when your loved ones may rely on your income the most, such as when paying off debts, funding education, or maintaining their standard of living.

Term life policies allow you to select coverage periods that align with your financial obligations, such as the duration of a mortgage or until children are financially independent, providing flexibility and cost-effectiveness.

Term life insurance typically offers lower premiums compared to whole life insurance, making it more affordable for individuals or families who need temporary coverage for a specific period, such as during their working years or while paying off a mortgage.

Essential Health And Life helps you create a customized estate plan to protect your loved ones, minimize taxes, and ensure your wishes are met. Learn more!

Whole life policies build cash value over time, which can be accessed through loans or withdrawals for various financial needs such as emergencies, education expenses, or retirement income supplementation.

Essential Health and Life offers guaranteed lifelong coverage, and death benefits. Learn how it can provide financial security for you and your loved ones.

Having hearing insurance is crucial because it supports individuals in accessing regular hearing evaluations, obtaining necessary hearing aids or other assistive devices, and addressing any hearing-related issues promptly, ensuring optimal communication abilities and overall quality of life.

Vision insurance is crucial because it facilitates regular eye exams, which are essential for detecting early signs of eye diseases, correcting vision impairments with glasses or contact lenses, and preserving overall eye health.

Having dental insurance is crucial because it helps individuals afford essential dental care, including routine check-ups, cleanings, and treatments, which are vital for maintaining oral health and preventing more serious dental problems in the future.

Before Obamacare, insurers could deny coverage or charge higher premiums based on pre-existing conditions. With Obamacare, these discriminatory practices are prohibited, ensuring that individuals with pre-existing conditions can still obtain affordable health insurance coverage.

Obamacare mandates essential health benefits, including preventive services, maternity care, mental health services, and prescription drug coverage. This ensures that individuals have access to comprehensive healthcare services without facing high out-of-pocket costs.

The Affordable Care Act (Obamacare) offers various health insurance plans, including subsidies and tax credits, making coverage more affordable for individuals and families with low to moderate incomes.