Policy Offerings

At JRC Insurance Group we work with more than 50 life insurance companies that are rated “A” or better by AM Best for financial stability. Some of the life insurance companies we proudly represent include Prudential, Transamerica, Nationwide, Penn Mutual, Mutual of Omaha, Assurity, Principal Financial, John Hancock, AIG, Lincoln Financial Group, Fidelity, Pacific Life, William Penn, MetLife, and many others.

Our agency specializes with applicants who are between the ages of 45 and 75, and by comparing rates and options from dozens of companies, we’re able to match our clients with the most affordable options available. Some companies specialize with individuals who have pre-existing health conditions while others offer the least expensive options to applicants in excellent health.

Depending on your age, most individuals can qualify for 10 to 35 times their earned annual income, and while many term life insurance companies offer a minimum coverage amount of $100,000, a handful of our carriers are willing to offer as little as $25,000. By working with 6 to 8 times more carriers than our largest competitors, we’re able to save our clients as much as 30% more than other independent agencies.

In addition to offering 10, 15, 20, 25, and 30-year term policies, we also offer traditional whole life policies, guaranteed issue insurance, and affordable permanent life insurance options with fixed rates and coverage to the age of 90, 95, 100, 105, 110, or even 121. No matter what your coverage needs are or what type of health you are in, we will be able to match you with the best options available.

Benefits of Term Life Insurance Include:

• Simplicity - coverage is straightforward with fixed rates and level premiums
• Affordability – term life insurance provides the most coverage for the least amount of money
• Flexibility - options can be fine-tuned to meet your beneficiary’s financial needs
• Conversion options – many term policies will allow you to convert your policy into permanent coverage

Most term policies will allow you to decrease your coverage and your premiums if needed. Term life insurance is usually exempt from estate and inheritance taxes.

With term life insurance, your coverage begins as soon as your first payment is made and the life insurance company cannot cancel your policy or increase your premiums regardless of any changes to your age or health. If you decide to cancel your policy, however, there are no penalties or fees.