As a dedicated Farmers Insurance agent, I help Oklahoma, Texas, Kansas, Missouri families and individuals secure their financial future with personalized Farmers life insurance solutions. Explore term life, whole life, and Indexed universal life insurance options to protect your loved ones, pay off debt, and leave a lasting legacy. Get a free life insurance quote today and discover coverage tailored to your needs.
Robert “Chase” McIntyre Agent # 08605N
Affordable Term Life Insurance
Term life insurance provides coverage for a specific period (the "term"), paying a tax-free death benefit to beneficiaries if the insured dies within that time. It's generally more affordable than permanent life insurance as it doesn't build cash value and coverage ends when the term expires.
Graded Death Life Policy
Graded death benefit life insurance is a type of policy, often offered without a medical exam, where the full death benefit is not immediately available. Instead, the payout gradually increases over an initial period (typically 2-3 years). If the insured dies within this "graded period," beneficiaries may receive a reduced benefit or a return of premiums paid, with the full benefit only payable after the period expires. This type of policy is often suitable for individuals who may not qualify for traditional life insurance due to health issues or age.
Universal Life and Indexed Universal Life
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers a death benefit and a cash value component. The cash value growth is linked to the performance of a market index (like the S&P 500), but with built-in protection against market downturns through a guaranteed minimum interest rate. This allows for potential tax-deferred growth while providing lifelong coverage and flexible premiums.
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One thing you should know. I will never push products on you that I don’t think you need, that is not an agents job. My job is to listen to your situation and analyze it against needs to develop a tailored life and financial plan so you can spend your time with those you love and doing the things you love.
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