Find out how much you can save on your Life & Health insurance needs today!
One of America's most trusted Life Insurance Agencies.
We shop major insurance carriers to find you the best policy at the right price from the brands you trust!
We Specialize in Placing Burial Insurance.
The most important thing to know is that burial insurance is a very specific type of life insurance.
The people who buy these policies do so to make sure their end of life expenses won’t become a financial burden to their loved ones.
Burial insurance plans are whole life insurance called Simplified Issue,
because they are setup without the need for a medical exam.
The monthly premiums can never increase.
The policy cannot expire at any age.
The death benefit is guaranteed to never decrease.
A physical or medical exam is not necessary.
Types of Insurance Plans
#1 – Level Benefit Plan
A level benefit plan is where you say no to most or all their health questions. If you are approved for this plan, your coverage will 100% protect you from day one, and you’ll pay the lowest price they offer. Another word for "level" is “preferred” to describe their best rating.
#2 – Graded Benefit Plan
A graded plan is typically the medium option. You would only be offered this plan if you said yes to any of their “graded” health questions.
Graded plans typically provide partial coverage during the first two years of the policy. For example, most graded plans will pay out 30% of the death benefit if you pass away during year one. During the second year of the policy, it will pay out 70% of the death benefit. The exact percentages vary by company.
#3 – Guaranteed Issue
A Guaranteed Issue (GI) plan is a policy that accepts any and all health conditions regardless of the severity of the condition. They would only offer you this plan if you have major health issues. Most GI plans come with a one or two year wait before the plan will pay out the entire benefit depending on the insurance company. As long as someone is mentally capable of entering into a legal contract, acceptance is guaranteed.
We can help with all of your life and health insurance needs.
We shop high-rated carriers to find you the best rates in just minutes!
Final Expense Life Insurance
Whole Life Insurance
Term Life Insurance
Prescription Drug Plans (PDP's)
Fixed Annuity (FA)
Fixed Index Annuity (FIA)
Single Premium Immediate (SPIA)
Deferred Income Annuities (DIA)
Why should I shop through AffinityQuotes?
(Frequently Asked Questions)
AffinityQuotes can be your one-stop shop for Life & Health insurance options. Our difference is our agent's dedication to serve the families we help protect. We compare coverage and pricing options from multiple companies to find you the best coverage at the lowest price.
Does AffiinityQuotes charge service fees?
The service is completely free for you and our quotes are provided as no-obligation options. Our agents are not paid any differently no matter which carrier you choose, and are compensated through the insurance carriers which does not affect or increase your monthly cost in any way.
What types of insurance does AffinityQuotes provide?
We help you find life insurance - including term, whole, and final expense insurance. We also help with Medicare Advantage and Medicare Supplements and prescription (PDP) drug plans.
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-Henry David Thoreau
"My husband and I each got a policy. It was about time and Affinity Quotes really gave us low cost options that fit our budget."
P. Miesner - 67
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Licensed name varies by state: AffinityQuotes Insurance Services, AffinityQuotes Insurance Agency. © 2020 AffinityQuotes Insurance
Services. All rights reserved. Your plan could vary depending on your age, health. Not available in all states.
Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and
Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit
Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and
do not constitute, either expressly or implicitly, an endorsement of AffinityQuotes or its recommendations, formulas, criteria or
comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not
responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be
reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion
addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength
and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete
AIG Companies policies issued by American General Life Insurance Company (AGL). Issuing company AGL is responsible for financial
obligations of insurance products and is a member of American International Group, Inc. (AIG).
AffinityQuotes Insurance Services has no control over rates, and our plans vary depending on your age, health, and issuing company.
Not available in all states.