Secured First Financial of Texas is an independent insurance broker. We offer mortgage protection insurance life insurance in Richardson, Texas and surrounding areas. You may not be aware, but there are more than 1000 insurance companies in the market place today. Since we are an independent insurance broker, we can shop and our goal is to find the best companies, prices, and options available for you. We want you to get the most for your money. We pride ourselves in taking good care of our clients and we look forward to the opportunity to help you.
We know that as your family and assets grow so does your risk. This is why we offer solutions that help pay off your home, pay off your debt, pay for your funeral, and even replace your income for your family after your death. Get mortgage protection insurance in Richardson, Texas and surrounding areas today!
Our solutions for mortgage protection will pay off your mortgage in the event of your death. We also offer policies that allow you to use the money while you are live in the event of a terminal, chronic, or critical illness (2). We even have policies that offer your money back, as long as you are still alive at the end of your mortgage term.
We offer many different types of life insurance like term, whole life, final expense life, non medical life insurance, guaranteed coverage life, life insurance with living benefits, and indexed universal life insurance. Many of my life insurance policies have living benefits that allow you to use your policy while you are alive.
1 - Assuming no withdrawals during the withdrawal charge period. Rider charges continue to be deducted regardless of whether interest is credited. Unlike traditional fixed annuities, the policy owner of a fixed indexed annuity may receive zero interest for a single period on a specific premium payment if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to grow over time, and the owner of a fixed indexed annuity may experience better interest crediting than a traditional fixed annuity during periods when the market performs well. Indexed annuities do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. Most FIAs permit owners to participate in only a stated percentage of an increase in an index, and also impose a "cap rate" that represents the maximum annual account value percentage increase allowed to contract owners. Annuities have surrender charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. In addition, withdraws prior to age 59 1/2 may be subject to a 10% Federal Tax Penalty. The guarantees of annuity contracts are contingent on the claims-paying ability of the issuing insurance company. Back to previous section
2. Living benefits are provided by no additional premium accelerated benefit riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Back to previous section