Our Services
Protect your loved ones financially with Faith over Fear Inc.
Our life insurance services for your peace of mind
If you want to create a better future for you and the people you care about, Faith Life Insurance has you covered.
Term insurance provides coverage for a specific period and pays a lump sum to beneficiaries if the policyholder dies. It's a cost-effective option with no cash value or returns on premiums.
Group health insurance is a policy provided by an employer or organization to its employees or members. It offers medical coverage for individuals and their families and is generally more cost-effective than individual health insurance.
Business Overhead Insurance
Business overhead insurance is a policy that provides coverage for a business's operating expenses in case the owner or a key employee becomes unable to work due to a disability.
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Whole Life Insurance
Whole life insurance provides lifetime coverage and builds cash value over time. Premiums are generally higher than term insurance, but the policy offers a guaranteed payout to beneficiaries.
Group disability income insurance is a policy provided by an employer or organization to its employees or members. It provides income replacement if an individual is unable to work due to a disability.
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Medicare supplement, or Medigap, is a private health insurance policy that helps cover the out-of-pocket costs of traditional Medicare plans.
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Index Universal Life Insurance offers flexible premiums and the potential for cash value growth, but it may not be suitable for everyone and requires careful consideration.
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Key Person Insurance
Key person insurance is a policy that provides financial protection to a business in case a key employee dies or becomes unable to work. The policy pays out to the business to cover losses.
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Premium Finance Insurance
Premium finance insurance is a financing option for insurance premiums. A third-party lender pays the premium on behalf of the insured and then collects payments with interest.
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Why our life insurance services are a smart investment
If you want to create a better future for you and the people you care about, Faith Life Insurance has you covered.
Why Life Insurance?
The primary breadwinner's greatest worry is that if something untoward happens to him or her, the remaining family members might not be able to support themselves financially. When financial security is most needed, life insurance has the rare ability to guarantee its delivery. It provides assurance by providing immediate financial security for dependents.
It is a long-term financial tool that provides your family members with the daily necessities they need as well as acting as a financial safety net during significant life events, even when you are not present. The family is able to pay off any loans, debts, obligations, medical costs, or other commitments, which is crucial because it prevents the family from having to shoulder additional financial strain as a result of these obligations.
Choose your Life Insurance Plan
Faith Over Fear: The Renowned Family Life Insurance Policy Provider
When it comes to choosing a life insurance plan, you need to focus on different types of plans. Whether you need a complete life insurance plan or a plan tailored specifically to your needs, you can trust our team to offer the insurance you need.
We understand the importance of choosing an affordable whole life insurance plan, you need to choose a plan that is ideal for your setting. Before you choose an insurance policy, here are some of the things you should focus on:
Why Life Insurance?
When it comes to choosing a life insurance plan, you need to understand why you need it. In simple terms, you need a life insurance plan as it plays a significant role in protecting you and your loved ones. The main purpose of choosing a life insurance plan is that it will offer financial security to your loved ones in an unfortunate event where something happens to the breadwinner of the family.
When you follow the right approach, you can make the decision that is right for you.
Our Service Offerings
At Faith Over Fear, we have a comprehensive list of insurance service offerings that are specific to our client’s needs. As long as you know what you need, you can choose an insurance plan without a lot of deliberation.
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Term Insurance
One of the first things you should do is to look at the term insurance before moving ahead. This plan seeks to offer coverage for a specific time where the beneficiaries receive a lump sum if the policyholder is no more. This affordable life insurance plan is a budget friendly option that does not come with cash value or returns on premiums.
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Whole Life Insurance
As the name suggests, whole life insurance offers lifetime coverage and helps in building cash value over time. In comparison to the term insurance, this plan requires higher premiums. However, it makes a secure financial option as it offers a guaranteed payout to the beneficiaries.
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Index Universal Life Insurance
The Index Universal Life insurance plan is a popular alternative as it offers flexible premiums along with the potential for cash value growth. Despite these attractive advantages, it requires careful consideration and may not be suitable for all individuals. It requires deliberation on the part of the policyholder.
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Group Health Insurance
Group health insurance is a plan that is offered by an organization to its employees or members. The focus of this plan is to look at the coverage for individuals and families. This is a preferable plan as it is more cost-effective than individual health insurance.
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Group Disability Income Insurance
Like the policy plan,this plan is also provided by an employer to its team or members. The focus of the insurance plan is to offer coverage or a replacement for the income in an unfortunate incident where individuals are unable to work due to a disability.
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Key Person Insurance
The insurance policy offers financial protection to a business if a key employee dies or becomes unable to work. The policy seeks to pay out to the businesses to cover any losses that might have happened.
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Business Overhead Insurance
Business Overhead insurance offers the coverage to a business for their operating expenses in case the owner is unable to work due to a disability. The plan is suitable for individuals and businesses who seek a secure financial alternative.
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Medicare Supplement
Medicare supplement or Medigap is a private health insurance policy that helps in covering out of the pocket costs of traditional medicare plans. It offers a better option for individuals who seek enhanced coverage in health policies.
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Premium Finance Insurance
Premium finance insurance offers a financing option where a third party lender pays the premium on behalf of the insured and collects payments with interest.
Contact Us!
If you need to know more about how to select an insurance plan or a family life insurance policy, you can connect with our team to know more.
