Orca Wealth and insurance services

Insurance

Looking for personal insurance?

 

 

As an independent broker of insurance services for more than thirty years, you are in good hands. We go to market for your life, disability or critical illness insurance to assure you the best product for the premium.  No medical - guaranteed issue insurance has gained in popularity and for obvious reasons.  Some people just do not like visiting the doctor, some people have medical issues that worry them.  In any case, some coverage is better than no coverage.

Life insurance

Here you’ll find easy-to-understand information about coverage options like universal life, term insurance, and critical illness protection.

 

Term insurance is available on its own for temporary protection needs, or it can be layered with universal life or critical illness protection to create personalized coverage that spans a longer length of time. Typically available in 10-, 20- or 30-year terms, you pay a set premium for the term period you purchased.

Universal Life insurance: While you are alive a savings component of a universal life policy allows for tax-deferred investment growth that can be used in many ways while you are still alive, such as adding to your retirement income or helping to cover the costs associated with a disability.

After you’re gone

Upon your death, your beneficiary will receive a tax-free death benefit. This money can be used to help secure the future of your loved ones or to help pay any taxes or final expenses.

Critical illness insurance

This rider is available in 4-condition or 25-condition coverage. It pays a one-time, lump-sum payment if you become critically ill with one of the Critical Illness Covered Conditions and survive the 30-day survival period.

It also includes unlimited access to Advance Medical for expert opinions at no extra cost,

Estate planning