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Insurance That Protects and Prospers
From life insurance to wealth-building and retirement planning, we’re committed to helping you secure a stable, prosperous future.
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Affordable plans to protect your future and grow your wealth.
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Insurance That Protects and Prospers
Life insurance isn’t just about preparing for life’s uncertainties—it’s about protecting what matters most. From securing your home, to ensuring your children’s education, to supporting your family’s future, WellGuard is committed to finding the right coverage that fits both your needs and budget.
Services
Comprehensive Insurance Solutions for Every Stage of Life
Term Life Insurance
Provides life insurance coverage for a specific term or period, offering financial security for beneficiaries during the policy's duration.
Universal Life Insurance
A flexible permanent life insurance option, allowing adjustments to premium payments, death benefits, and cash value accumulation.
Disability Insurance
Provides income replacement if illness or injury prevents the policyholder from working, helping maintain financial stability.
FAQs
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What is Term Life Insurance, and how does it work?
Term Life Insurance provides coverage for a specific period, such as 10, 20, or 30 years. If you pass away during that term, your beneficiaries receive a death benefit. It’s a cost-effective option for temporary needs, like covering a mortgage or providing income replacement during your working years.
How is Universal Life Insurance different from Term Life Insurance?
Universal Life Insurance is a type of permanent life insurance that lasts a lifetime as long as premiums are paid. It includes a cash value component that grows over time, allowing you to access or borrow against the funds. Unlike Term Life, which offers coverage for a set term, Universal Life combines protection with a long-term investment component.
Why might I need Disability Insurance?
Disability Insurance provides income replacement if you’re unable to work due to illness or injury. This coverage helps maintain your financial stability by covering expenses and income loss, so you can focus on recovery without the worry of lost wages.
What are Segregated Funds, and how do they work?
Segregated Funds are investment funds offered by insurance companies that combine growth potential with added security features, like a death benefit guarantee. They’re similar to mutual funds but come with protection benefits, making them appealing for those looking to invest while protecting their capital.
What is Accidental Death and Dismemberment Insurance?
AD&D Insurance provides coverage for accidental death or severe injuries such as loss of limbs, sight, or hearing. It’s designed to offer extra financial protection and is often used to complement other life insurance policies, providing a payout if death or injury occurs due to an accident.
How does Long-Term Care Insurance help me?
Long-Term Care Insurance covers the cost of care services if you become unable to care for yourself due to aging, illness, or injury. This includes assistance with daily activities, like bathing, dressing, and eating, either at home or in a care facility, helping preserve your savings and ensuring quality care.
How do I decide which life insurance coverage is best for me?
Choosing the right life insurance depends on factors like your financial goals, age, health, and family needs. Term Life Insurance is often suitable for temporary needs, while Universal Life provides lifetime protection with an investment component. We’re here to help guide you based on your unique situation.
Can I combine different types of insurance for added protection?
Yes, many people choose to combine different types of insurance for comprehensive coverage. For example, pairing Term Life Insurance with Disability Insurance or AD&D can offer income protection and added peace of mind. We can work with you to customize a plan that covers all your needs effectively.
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Hi there! I'm Nancy at WellGuard Insurance, and I’m here to make insurance simple, straightforward, and tailored to you. Whether you’re looking for auto, home, life, or business coverage, I’ll help you find the perfect fit for your needs and budget.
Testimonial
What others are saying
"Long-term Care Insurance"
Nancy made a complex process feel simple. I needed long-term care insurance, and she took the time to walk me through every step. Thanks to her, I have a plan in place that gives me peace of mind for the future.
"Disability Insurance"
As a freelancer, I was unsure about disability insurance, but Nancy guided me to the ideal plan. She listened to my concerns and found a policy that’s within my budget. I’m so grateful for her expertise and support.
"Life & Accidental Death Coverage"
I didn’t know how impactful the right life insurance could be. Nancy helped me set up both life and accidental death coverage, tailored to my family’s needs. It’s a huge relief knowing we’re secure, all thanks to Nancy’s dedication and care.
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