The Frith’s Consultants Group, INC
What We Offer
Our Products
Life insurance is something that you might not use today, but you will need it in the future, and that’s the best reason to get it. It is better to plan ahead, especially if you are getting married, building a family, or purchasing a home. The Frith's Consultants Group, INC can protect your family as much as you can.
The complete list of our life insurance plans is listed below.
Final Expense
Thinking about death is unpleasant for some people. They will try to avoid planning what to do in case it's their turn. Life insurance is almost the last thing on their minds. It will force them to think about loss, death, and the worst that could happen to their loved ones.
No matter how dreadful it is to think about all of these, these are the very same reasons why you should get a life insurance plan in the first place.
What Is Final Expense Life Insurance?
It is a simple, affordable whole life insurance that can help protect your loved ones from future financial burdens. It is designed to cover expenses like:
- Medical bills
- Credit card debt
- Funeral costs
- Money left behind for love ones
Whole Life
Whole Life is a form of permanent life insurance that features guaranteed premiums, death benefits, and cash value. Its policies also give you the potential to receive dividends, which can increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries.
You must purchase a Whole Life insurance policy if you want:
- A protection for life
- Payments that stay the same each year
- To put extra money into the policy favored by a tax system
- A cash value that you can use while you are living
This type of insurance also offers confidence through the following guarantees that it provides:
- Guaranteed-Level Premiums: The premiums you pay are assured to remain the same for the life of the policy.
- Guaranteed Death Benefits: Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time and no modified waiting period.
- Guaranteed Cash Value: Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you will have access to your cash through loan and withdrawal options.
Term Life
Term Life is usually the most affordable insurance because it offers protection for a certain number of years. Ask about our Term Life policy for seniors today.
A Term Life insurance policy includes:
- Getting maximum coverage at an affordable price
- Covering certain financial obligations like a mortgage or college tuition fees
- Supplementing a permanent policy or work policy
Simplified Term Life Insurance
For coverage amounts below $100,000, we offer simplified issue Term Life insurance, with no medical exam and same-day approval.
Level Term Life Insurance
For coverage amounting to $100,000 and above, we offer Term Life insurance policies with premiums guaranteed not to increase for the length of the term.
Health insurance is more than just health benefits and insurance plans. Each plan comes with personalized support to help lower costs and keep people healthy. Our health plans include:
- Personalized wellness and disease management programs
- Online references to help members monitor their health plan and health history, research medical conditions, and understand the cost of care
- Networks of distinguished health care providers and facilities that offer specialized clinical services
- A range of wellness services, such as eyewear, gym memberships, acupuncture, and more
