HORIZON TOTAL COVERAGE

Life Insurance

Whole Life Insurance

Explore the enduring advantages of Whole Life Insurance with Horizon Total Coverage (HTC) independent agents, dedicated to securing the utmost value for your investment in coverage. Whole Life Insurance not only provides a financial safety net for your loved ones should the unexpected occur, but also serves as a lifelong asset, offering a guaranteed death benefit and accruing cash value over time.

With HTC, our independent agents work diligently to tailor Whole Life Insurance plans to your unique needs, ensuring comprehensive protection that fits your circumstances. These seasoned professionals operate independently, prioritizing your best interests to uncover the most suitable coverage options for you and your family.

By collaborating with HTC agents, you benefit from personalized guidance, transparency regarding policy details, and a commitment to securing a robust financial foundation. Invest in Whole Life Insurance with HTC for a lasting legacy and the peace of mind that comes from comprehensive coverage tailored to your specific needs.

Living Benefits:

One of the primary advantages of our Term Policies is that they can also provide a financial security blanket while you are still alive. These “living benefits” that give you financial assistance when you are faced with a critical, chronic, or disabling health crisis.

Critical illness coverage provides a lump-sum payment if diagnosed with a major condition like cancer, stroke, or heart attack. These funds can cover treatment costs or living expenses during recovery.

Chronic illness coverage helps pay for ongoing care and treatments for prolonged conditions impacting your daily wellbeing.

Disability income replaces a portion of your paycheck if injury or illness prevents you from working. This protects your income stream so household expenses are covered.

With living benefits built into your term life policy, you have the peace of mind that financial support is available during medical challenges that could impact your livelihood and savings. Our plans offer a continuum of coverage – for both living and death benefits – to provide complete protection. Contact us today for your free consultation.

Term Life Insurance

Term Life Insurance: Customized Coverage for Life’s Uncertainties

At Horizon Total Coverage, we understand that quality life insurance is not a luxury, but rather a necessary part of every family’s financial plan. Even though a cash value whole life plan may not be financially viable for you there is a much better alternative the leaving your family unprotected by being uninsured. That’s why our Term Life Insurance is not just about providing a safety net; it’s about offering a personalized solution that aligns with your life’s journey. As independent agents, we pride ourselves on our ability to navigate a diverse range of insurance options, ensuring that we find the perfect match for your specific needs. We work for you, not the carriers, which means our only commitment is to your best interests and financial well-being.

Affordable, Flexible Protection

Term Life Insurance with HTC is about making sure that quality coverage is accessible and affordable. We believe that protecting your family’s future shouldn’t be a financial burden. For less than the cost of a cup of coofee per day, you can secure a policy that provides substantial coverage for your loved ones. In fact, a healthy 35 year old male could qualify for up to $1,000,000 in coverage for less than $1 per day. This affordability means you can have peace of mind without compromising on your current lifestyle.

Living Benefits: A Safety Net for the Unexpected

Our Term Life Insurance policies are unique in that they often include “living benefits.” These benefits are designed to offer financial support not just in the event of death but also during life’s critical moments. Whether it’s a chronic illness, a disabling injury, or a critical health condition like cancer or heart attack, our policies can provide financial assistance when you need it most. This dual protection ensures that you and your family are covered through all of life’s ups and downs.

The Silent Crisis of Being Underinsured

One often overlooked aspect of life planning is the risk of being underinsured. Across the country, many families are silently struggling with the financial aftermath of not having adequate life insurance. From mounting debts and mortgages to the potential loss of a home, the consequences of inadequate coverage can be devastating. At HTC, we’re committed to educating and guiding our clients to ensure that their coverage meets not just their current needs but also anticipates future ones.

Tailoring Your Term Life Insurance

Our role as independent agents is to provide you with a tailored insurance experience. We take the time to understand your unique circumstances, financial goals, and concerns. This personalized approach allows us to craft a Term Life Insurance policy that truly reflects your life’s needs. Whether it’s adjusting coverage amounts, term lengths, or understanding the nuances of different policies, our team is here to make sure your insurance solution is as unique as you are.

Secure Your Legacy with HTC

Choosing Horizon Total Coverage means choosing a partner who values your family’s financial security as much as you do. Let us help you secure a legacy of protection and peace of mind. Contact us today for a consultation, and experience the HTC advantage – where your needs meet our expertise.

Final Expense

Final Expense Insurance: Your Peace of Mind

Understanding Final Expense Insurance

Final Expense Insurance, often known as burial insurance or funeral insurance, is designed to cover the costs associated with end-of-life expenses, such as funeral services, burial, and outstanding debts. This specialized insurance ensures that your loved ones are not burdened by these expenses during an already difficult time.

The Importance of Coverage

The loss of a loved one is an emotionally challenging time, and the financial strain of unexpected funeral costs can add unnecessary stress. Final Expense Insurance provides a safety net, ensuring that funeral expenses, which can often exceed $10,000, are taken care of. This coverage allows families to focus on healing and remembrance, rather than financial concerns.

Pitfalls of Being Underinsured

Without adequate Final Expense Insurance, families can face significant financial challenges, including:

  • Depleting savings to cover funeral costs.
  • The stress of fundraising or borrowing to pay for expenses.
  • Compromising on funeral arrangements due to budget constraints. Being underinsured can lead to difficult decisions and added stress during a time of mourning.
 

 

Choosing an Independent Agent from HTC

At Horizon Total Coverage (HTC), we understand the value of choice and personalized service. Our independent agents are not bound to any single provider, which means we can offer unbiased advice and a wide range of Final Expense Insurance options tailored to your needs and budget. Our commitment is to your long-term well-being and peace of mind. We prioritize your interests, and if the best plan for you is one we don’t offer, we’ll tell you. Our goal is to be your trusted advisor for all your insurance needs, ensuring you’re always covered, no matter what life brings.

Why HTC?

Choosing HTC means partnering with a team that:

  • Puts your needs and interests first.
  • Offers a broad selection of plans from various providers.
  • Provides expert guidance to help you understand your options.
  • Is committed to building a long-term relationship based on trust and transparency.

With HTC, you’re not just buying insurance; you’re gaining a partner who’s dedicated to your family’s security and peace of mind. Let us help you secure the right Final Expense Insurance coverage, so you can rest easy knowing your loved ones will be taken care of. Contact us today to explore your options and find the plan that’s right for you.