Invest with Confidence
At FundHeroLife, we follow a time-tested approach to building resilient portfolios, and partner with leading insurance partners providing life insurance policies with living benefits designed to help secure a comfortable future for you no matter the economic ups and downs. Our strategy brings together expert insurance providers across the United States and Canada who put your goals first with carefully selected investments built for long-term performance.
Discover why generations of investors have trusted this process for over a decade.
Secure your life and future via insurance solutions with great living benefits
Many people view life insurance simply as a way to provide financial protection for their loved ones in return for regular premium payments. While that’s true, life insurance can offer much more. Some types of policies can also support you during your lifetime by helping cover expenses or supplementing your income. Additionally, life insurance can play a valuable role in achieving long-term financial goals, empowering you to make the most of life.
Forget the traditional view of life insurance as something that only supports your loved ones after you’re gone. Modern life insurance goes beyond that. With a permanent life insurance policy, you can build cash value over time and access those funds to help cover a variety of financial needs during your lifetime.
Some of the benefits of life insurance may include:
Protect your loved ones
Provide financial security for your family, ensuring they can maintain their lifestyle and cover essential needs.
Help pay off debt
Prevent debts such as mortgages, loans, or credit cards from becoming a burden to those you leave behind.
Help protect your business
Keep your business running smoothly and provide stability for employees and partners.
Help you save for retirement
Build cash value within certain policies to supplement your retirement income.
Health Protection
Some policies offer riders or benefits that can help cover medical costs in the event of critical illness or long-term care needs.
Aid in estate planning
Transfer wealth efficiently and help ensure your legacy is passed on according to your wishes.
Secure your Child's Education with Ease
College can be expensive. It costs tens of thousands of dollars each year to attend a four-year college or university. And the costs continue to rise. Clients could incorporate a fixed index universal life (FIUL) policy into their college financing strategy to help pay for the cost of higher education.
While many people buy life insurance to provide their loved ones with a death benefit that is generally paid income-tax-free to beneficiaries, there are other ways the policies can be useful to clients. With the accumulation potential of FIUL insurance with living benefits, the policy’s accumulation value has the potential to build over time. The cash value of the policy can be accessed through policy loans or withdrawals, which can be used to help pay for college tuition.
Using an FIUL policy to help pay for college has unique benefits compared to other funding sources for the middle market.
Show how much you care for your family by protecting them even while you're not with them
Protect what matters most and leave a good legacy and avoid probate court
Mortgage protection insurance – also called mortgage life insurance – is a life insurance product that covers the cost of your mortgage. The policy’s death benefit is designed to pay off your home loan if you die before it is repaid. This structure allows your surviving heirs to live in your home without worrying about an outstanding mortgage balance.
Because mortgage protection insurance is designed to match your remaining mortgage amount, the death benefit decreases over time. In fact, the benefit may expire before the policyholder’s death and never trigger a payout.
Typically, qualifying for a mortgage protection policy is relatively straightforward and doesn’t include requests for a medical exam or health check. This can make it an appealing option for applicants who own a home but struggle to qualify for a traditional life insurance policy due to illness or other health conditions.
There is another way these policies differ from traditional life insurance: The beneficiary is not your family. Instead, the money goes directly to your mortgage’s lienholder, and the funds must be used to repay the mortgage.
Homeowners whose family relies heavily on their sole income may want to consider mortgage protection insurance. These policies may allow survivors to stay in their homes, even after the death of a family breadwinner.
Applicants who cannot qualify for traditional life insurance may also consider mortgage protection policies. The downside is that the policy’s death benefit can only be used to repay the mortgage. It can’t pay for other expenses like traditional life insurance policies.
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The benefits of partnering with us
Build your business and make a difference helping individuals get the life insurance they need.
Every agent partnering with us has access to:
- Detailed Products-At-A-Glance information sheets
- Our Soft Solution, which expedites the application and underwriting process
- Online calculator to quickly estimate a potential customer’s rates
- Forms and resources to help support your customers and your business
If a focus on serving everyday Americans, Mexicans or Canadians is attractive to you, give us a call at (646) 757-1050 or write us at help@fundherolife.us