OUR PRODUCTS
ALL PRODUCTS COMES WITH LIVING BENEFITS AT NO ADDITIONAL COST
Our Story
At Zam Life Insurance, we strongly believe that everyone should have access high-quality life and health insurance. Our passion for empowering people financially drives us to provide our clients with the best expertise and dedication. We are committed to ensuring your well-being and financial security, so you can focus the things that matter most.
Build Protect Empower
Our expertise and dedication empower clients to build and protect their finances for a secure future.
Expertise Dedication Passion
We bring expertise, dedication, and passion to help families build and protect their financial future.
What We Do
AFFORDABLE TERM LIFE INSURANCE
Term life insurance is a type of life insurance that provides coverage for a specific period (e.g., 10, 20, or 30 years). It pays a death benefit to the beneficiary if the policyholder passes away during the term. If the policyholder outlives the term, the coverage ends, and there is no payout.
Term life insurance is often used to:
Cover temporary financial obligations (e.g., a mortgage or car loan)
Provide income replacement for dependents
Pay for final expenses (e.g., funeral costs) Term life insurance is generally less expensive than permanent life insurance (e.g., whole life or universal life) because it only provides coverage for a specified period.
It's important to note that term life insurance does not build cash value, and the coverage ends if premiums are not paid.
Mortgage protection is a type of life insurance designed to pay off your mortgage if you pass away. It's usually a term life insurance policy that matches the length of your mortgage, so if you have a 20-year mortgage, you'd have a 20-year term life insurance policy.
Mortgage protection typically offers the following benefits:
Pays off your mortgage balance if you die
Ensures your family won't lose their home
Can provide a tax-free death benefit
May offer a conversion option to permanent life insurance
Can be more affordable than traditional life insurance
Mortgage protection provides peace of mind, knowing your family's home is protected, even if you're no longer around to provide for them.
MORTGAGE PROTECTION
TAX FREE RETIREMENT
TAX-FREE RETIREMENT IUL (Indexed Universal Life) is a type of life insurance policy that combines a death benefit with a cash value component that can grow tax-free.
The benefits of TAX-FREE RETIREMENT IUL include:
Tax-free growth: The cash value can grow tax-free, meaning you won't pay taxes on the gains.
Tax-free withdrawals: You can withdraw funds tax-free, using the policy's loan provision.
Flexibility: You can adjust premiums, death benefit, and investment options to suit your needs.
Protection: Your loved ones will receive a tax-free death benefit if you pass away.
Potential for high returns: The cash value can potentially earn high returns based on the performance of the underlying index.
FINAL EXPENSE
Final Expense life insurance is a type of life insurance designed to cover funeral expenses, medical bills, and other final costs when you pass away. It's typically a whole life or universal life insurance policy with a smaller death benefit (usually $5,000 to $25,000) and is intended to help alleviate the financial burden on your loved ones.
Final Expense life insurance can be used to cover:
Funeral expenses
Medical bills
Outstanding debts
Legal fees
Other final costs
This type of insurance is often sought by:
Seniors
Those with serious health conditions
Individuals with limited income
Those who want to ensure their final expenses are covered
What we Offer...
Coverage up to $2M with no medical exam. Just answer a few simple health questions.
Flexible options to fit different budgets and needs because life insurance isn’t a one-size-fits-all solution.
Dedicated support from our team. We’re committed to helping you find the right coverage.
Free Financial Consultation
Affordable Term Life Insurance
Tax Free Retirement
Contact Zam Life Insurance Today!
Reach out to Zam Life Insurance for expert advice on building and protecting your finances. Our team is dedicated to helping families secure their future.
Get in touch
+1 813-648-1547
zamlifeinsurance@gmail.com
