Excel General Agency

Personal Line


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Life Insurance

  • Term Life Insurance

  • "Term" is a life insurance policy that provides coverage for a predetermined amount of time. Benefits are gained if the policy owner passes away in a predetermined time frame, typically 10, 15, 20, or 30 years.

    • It is the least expensive and simplest of all life insurance policies
    • There is no guarantee of renewal when the term ends
  • Indexed Universal Life Insurance

  • Indexed Universal Life Insurance is a form of permanent life insurance. It’s an insurance policy where the benefit is assured to be paid upon your death (assuming the policy is kept current). Also, unlike Term Insurance, the policy can accrue a cash value within specified “indexes” (such as the S&P 500 or Nasdaq 100)

    • A type of permanent life insurance
    • You can choose your “index” based on your risk tolerance
    • Cash value has tax-deferred growth
    • Can be paired with a Long Term Care rider
  • No-Medical Exam Life Insurance

  • This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term growth potential.

    • Up to $250K death benefit
    • No medical exam or blood work is required