Life Insurance

Life Insurance Services From The LOBS Inc. Insurance Services

Your success is at the heart of what we do. We are committed to helping you with the best insurance services and will work with you to develop the most effective path forward for your life, property and casualty, health and business future security. Our strength and innovative services mean you get relevant and dependable solutions now and always.

Term Life

Term Life

A term life insurance policy can be a great way to help protect a family's financial future. Policyholders get covered for a specific amount of time (or "term"), and pay less on premiums than they would for a permanent life insurance policy.

Whole Life

Whole Life

The LOBS Inc. provides whole life guarantees that can be counted on, plus the ability to customize the policy to meet many needs. With our improved underwriting, it's a whole different experience for anyone who needs coverage

Universal Life

Universal Life

Universal life insurance offers lifelong coverage, provides flexibility when it comes to paying premiums and choices for how the policy's cash value is invested. A standard universal life insurance policy's cash value grows according to the performance of the insurer's portfolio and can be used to pay premiums.

Indexed Universal Life

Indexed Universal Life

Index universal life insurance can help protect a family's standard of living or help fund a child's education in the event of the death of the insured. The policy also offers options to change death benefit amounts or adjust premium payments within certain limitations.

Annuity

Annuity

An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life.

Key Employee

Key Employee

The LOBS Inc. helps you with the best Key person insurance. This is a life insurance policy a company buys on the life of a top executive or another critical individual. Such insurance is needed if that person's death would be devastating to the future of the company. For small businesses, the key person might be the owner or founder.

Executive Plan

Executive Plan

Executive insurance is a group of coverage types designed to protect companies and leaders from various business risks. It usually includes directors and officers insurance and employment practices liability insurance.

Group Life

Group Life

GUL is a type of permanent life insurance that features a savings component. Employees may choose to pay only the cost of insurance or to make additional contributions to a cash value account that can be accessed through loans or withdrawals.

Final Expense Life

Final Expense Life

We look at life as if the best is yet to come, but it’s still wise for people to plan ahead for final expenses so their loved ones can rest easily. They can use fast and easy options to help protect their families from unexpected financial burdens associated with final expenses.

Foreign Nationals

Foreign Nationals

Foreign nationals who regularly visit, do business, or own property in the United States may be unaware of the potential estate tax exposure they may face. Our life insurance solutions can help address this very issue.

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