Life Insurance That Loves Like You Do
Protect your family’s future, preserve your legacy, and gain peace of mind today and always. At OnePoint, we help you choose the right life insurance for every stage of life—with clarity, care, and compassion.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Glossary
Premium
This is a payment made to the insurance company that keeps the policy active
Beneficiary
The named person (or people) who may be entitled to inherit a lump sum of money if the life insurance policyholder passes away.
Cash Value
The portion of a permanent life insurance policy that earns interest and can be accessed during your lifetime to fund retirement, cover premiums, increase a death benefit or for other purposes.
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Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions
Insurance doesn't have to be complicated. Get easy explanations for all your questions
Frequently Asked Questions
Do I need life insurance if I’m young and healthy?
Health insurance typically covers medical expenses such as doctor visits, hospitalization, prescription medications, diagnostic tests, and preventive care. Some plans may also include maternity, critical illness, and mental health coverage.
Can I customize my health insurance plan?
Yes, we offer tailored plans to suit your unique needs, whether you're an individual, part of a family, or a senior citizen. You can choose additional benefits and coverage options based on your preferences.
What is a life insurance rider?
Filing a claim is simple! Submit the required documents, including your medical bills and doctor's reports, through our online portal or visit one of our offices. Our team ensures a hassle-free and quick claim process.
How long does it take to get approved?
Coverage for pre-existing conditions depends on the specific plan. Some plans may include a waiting period, after which pre-existing conditions are covered. Please check the policy details or consult our team for clarification.
Can I name multiple beneficiaries?
Yes. You can split the death benefit among multiple people or list primary and contingent (backup) beneficiaries
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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