The highest face value policy we can write is $60 million. This substantial coverage is designed to provide an extensive financial safety net, catering to individuals with significant assets and complex financial portfolios. By offering such a high face value, we aim to address the diverse needs of high-net-worth individuals, ensuring that their life insurance coverage aligns with their unique circumstances and financial responsibilities.

There are several types of life insurance policies, each designed to cater to different needs and preferences.

Here is a list of common types of life insurance policies:

Term Life Insurance: Provides coverage for a specific term (e.g., 10, 20, or 30 years).Purely offers death benefit protection without cash value accumulation.

Whole Life Insurance: Offers coverage for the entire lifetime of the policyholder.Combines a death benefit with a cash value component that grows over time.

Universal Life Insurance: Provides flexibility in premium payments and death benefit amounts.Accumulates cash value that can be adjusted and accessed during the policyholder's lifetime.

Final Expense Insurance: Covers end-of-life expenses such as funeral costs and medical bills.Usually offers smaller death benefits compared to other policies.

Indexed Universal Life Insurance: Ties cash value growth to the performance of a stock market index.Provides flexibility in premium payments and death benefit amounts.

Joint Life Insurance: Covers two individuals under a single policy. Death benefit is paid upon the death of either insured party.

Survivorship Life Insurance: Also known as second-to-die insurance, covers two individuals, with the death benefit paid after the death of both insured parties.

It's important to note that the availability of these policies may vary among insurance providers, and the suitability of a particular type depends on individual circumstances and financial goals.

In our consultation, we will delve into your unique circumstances, financial goals, and risk preferences. We'll discuss factors such as family structure, income levels, debts, and long-term objectives. By understanding your individual needs, we can tailor a life insurance solution that aligns with your goals, providing the right balance of coverage and financial flexibility.The decision should be a personalized one, considering the comprehensive information gathered during our consultation. Our aim is to ensure that the life insurance solution recommended is not only suitable for your current situation but also adaptable to changes in your life over time.

Yes, we can absolutely assist you in providing life insurance coverage for your employees. At Joyner Group, we bring a wealth of experience in offering comprehensive group life insurance options. Our team is dedicated to tailoring solutions that meet the unique needs of both employers and employees.