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Our Products Life & Health
Life & Health Insurance
Term Life: Low-Cost Coverage for Any Stage of Life
A great option if you want an affordable, short-term policy that’s in tune with where you are in life, our Term Life lets you choose the coverage and the term with guaranteed rates on our 10, 15, 20, 25 and 30-year level policies.
Customize your coverage to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
Whole Life: Permanent Coverage for the Long Run
Whole Life provides permanent coverage – for as long as you live and continue to pay premiums. Premiums stay the same no matter your age. Because your policy builds cash value over time, whole life is a good option for meeting your long-term financial goals.
Whole Life is a perfect option to start saving for your children's college fund, for your retirement, or for your final expense needs.
Customize your policy to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
- Increase coverage on the primary insured at low cost
- Add term coverage for another person on the same policy
Universal Life: Flexible Protection that’s Permanent
Our Universal Life plan provides flexible, permanent coverage you can tailor to meet your needs while earning a competitive interest rate. You determine the premium within a range that fits your budget and choose from a wide range of options, including long-term care.
With Universal Life, you can:
- Earn interest, tax-deferred, on your cash value
- Choose a level or increasing benefit level
- Apply for coverage up to age 85
Customize your policy to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
- Add term coverage for an additional individual on the same policy
- Cover long-term care expenses
Long-Term Care: Aging Gracefully
With long-term care costs at about $70,000 per year, a serious illness or accident can be financially devastating for any family. We offer a long-term care option through our Universal Life plan. Your benefits will pay for long-term care expenses such as home health care, assisted living, adult day care, respite care and hospice.
Long-term care coverage helps you and your family:
- Preserve assets
- Keep control of your place of care
- Maintain your independence
Contact McFall & Son Agency Now, to get more information about our products and services.
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