Life Insurance

At Sterling Life and Health, we believe everyone deserves a secure financial future and that's why life insurance is important. To make sure you have all the information you need to confidently make the best decisions for your family. We partner with over 30 insurance carriers so we can provide you with a completely customized plan, providing the coverage you need.
Your needs change, as your world changes so flexibility in your insurance is important. Whether you’re deciding between life insurance options, looking for mortgage protection, or considering final expense coverage, our agents are here to help you decide which insurance plan best fits your needs, and is well within your budget.

Mortgage protection insurance (MPI) is a type of life insurance policy that offers dual benefits and helps the family with a mortgage if you die.
If you have mortgage insurance, it will help you pay a portion or all your mortgage in case you die.
Some insurance companies will let you turn the mortgage insurance into a life insurance policy and some providers let you add riders to help with living benefits.
If you’re a senior citizen or have a medical condition, such as a heart condition or cancer, you may be prevented from getting a mortgage insurance policy.

Final Expense insurance is a whole life insurance policy specifically marketed to cover the expenses associated with a funeral, memorial service, reception, cremation and/or burial.
It is also commonly known as burial insurance, funeral insurance, or cremation insurance.

Term life insurance guarantees payment of a stated death benefit to the insured's beneficiaries if the insured person dies during a specified term.
These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product.1
Term life premiums are based on a person’s age, health, and life expectancy.
Depending on the insurance company, it may be possible to turn term life into whole life insurance.
You can often purchase term life policies that last 10, 15, or 20 years.

Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums.
The price tag on universal life (UL) insurance is the minimum amount of a premium payment required to keep the policy.
Beneficiaries only receive the death benefit.
Unlike term life insurance, a UL insurance policy can accumulate cash value.

Registered and Licensed