Akentric Life

Life insurance provides a cash benefit to your loved ones when you pass away, helping cover expenses like bills, funeral costs, and income replacement.

If you have family who depends on you financially or want to cover final expenses, life insurance can provide important protection and peace of mind.

Common options include:

• Term Life – Affordable coverage for a set number of years.

• Whole Life – Lifetime coverage that builds cash value.

• Indexed Universal Life (IUL) – Flexible lifetime coverage with potential cash growth tied to the stock market.

It depends on your income, debts, family size, and future needs. A licensed agent can help you find the right amount.

Prices vary based on your age, health, and type of policy. Many people are surprised how affordable it can be.

Not always. Many policies for clients over 50 can be approved with only health questions, no medical exam. However, certain coverage amounts or policy types may require one. Check with a professional for details.

Term is temporary and more affordable. Whole life lasts your entire life and builds cash value over time.

You can schedule a free consultation with a licensed agent who will walk you through the process step-by-step—often right from your home.

Yes, in many cases. You may be able to increase coverage, adjust term lengths, or switch policy types, but this often requires a new application and health review.

Often, yes. Many companies offer policies designed for people with health issues, though coverage amounts, rates, and waiting periods may vary.

For term policies, your rate stays the same for the length of the term. Whole life and final expense policies have locked-in premiums that never go up once approved.

Yes, many term policies include a “conversion option” that allows you to switch to whole life without a new medical exam, but it usually must be done before the term ends.

Yes. You can update your beneficiary at any time by submitting a simple change form to your insurance company.

Final expense insurance is a small whole life policy designed to cover funeral costs and end-of-life expenses. It’s ideal for seniors or those wanting affordable coverage for loved ones’ peace of mind.