Helping you do what's best for your family.
Providing the coverage you need at a price you can afford.
Serving our community with pride and commitment.
The average cost of a funeral last year was between $5000 (cremation) and $8000 (burial).
How will your Final Expenses be covered?
Make sure your dependents don't suffer financially as a result of your death.
Your spouse and children will continue to need you.
Life Insurance proceeds can be used to generate wealth and security for future generations.
Start them out ahead of the game.
Don't let your death force your grieving family into having a Plate Sale or setting up a GoFundMe account because you weren't prepared.
The mortgage and other household expenses will still need to be paid. The kids will still need to go to college.
How will your spouse do it alone?
Does your family have (or want to have) a way to benefit future generations using Life Insurance as the investment?
Your Final Expenses:
We all must prepare for the day we leave this earth. Paying for your final expenses is your responsibility -- not your family's. We have insurance on our cars, homes and phones and none of those are more important than our lives.
For a few dollars every month, you can make sure your family doesn't have to figure out how to pay for your funeral. There is an insurance policy you can afford and I will help you find it. Whatever your walk in life, we all deserve to leave this earth in dignity.
Providing for your spouse and children is the greatest responsibility you will ever have. When you transition, your support doesn't have to end. Provide your family with the financial security needed to maintain your household, send your children to college and more.
Don't add financial struggles to the pain and heartache of losing you.
Your children are your legacy and so are your grandchildren, great grandchildren and so forth. You have an opportunity to financially uplift your family. The insurance you purchase today can serve as a legacy to your future generations. Give them a head start in life with an inheritance.
The future of your family depends on you.
Encouraging Financial Responsibility:
A parent leads by example. Teach your children the value of being financially responsible by explaining life insurance to them and setting the example to always be prepared. Purchase life insurance for your child at the youngest age you can for the lowest rates and encourage them to do the same when they become parents.
We should make it a point to teach our children about finances as early as possible.
Financially stable individuals and families create financially stable communities. We need unity and financial prosperity to improve the quality of life in our communities.
In order to generate and accumulate wealth in our communities, we must:
Start with you
B Rite Family
My name is Monica Brite and I am an Independent Agent. I do not work for any insurance company.
I work for you and your family!
My loyalty is with you and your best interest. I will never attempt to sell you more insurance than you need or can afford.
My goal is to make sure you and your family are protected based on your preferences and income.
Term is the cheapest form of Life Insurance. It covers you for a specific period of time (10, 20, 30 years) and benefit amounts usually begin at $50,000. This is temporary coverage and is good while you have dependent children or a home to pay off.
Guaranteed Universal cost more than Term and covers you until certain ages (between 85 - 121 years old) and benefit amounts usually begin at $50,000. This type of policy is designed to cover your whole life and is great to use as Final Expense Insurance.
Whole Life is the most expensive because it builds more cash value. This means your beneficiary will receive the amount of the policy PLUS additional funds from the built in "savings account". Cash value funds can also be withdrawn by the policy owner.
There are Final Expense policies for people ages 50 and over that do not require you to answer health questions or take a physical. The rates are guaranteed and benefit amounts usually start at $5,000.
Start your child(ren) off right by starting their Life Insurance policies now. The rates are unbelievably low, the policy doubles at age 18 and additional insurance can be purchased at the original rate.
No matter what stage of life or income bracket you are in, I will find the best coverage for you and your family. Let's discuss your needs and options.
Get a quote today!
If you only need to cover your Final Expenses, your best option is Universal Life. It provides the life long coverage you need. If the premiums are not low enough for your income at this time, start with Term Life and "upgrade" when it expires.
Get a quote on both to see which one is right for you!
Even if you have Life Insurance through your employer, you should have an outside policy for when you retire or leave that job. You should get Universal Life to cover your Final Expenses. The longer you wait the higher your premiums will be.
Get your quote today!
If you have a spouse and/or children, you want to make sure they are financially protected. In addition to your Universal or Whole Life insurance, you should also add a Term Life policy to cover the assist with paying off your home and or your children's college education.
Start your children and/or grandchildren off in the right direction. Get policies for them that double at age 18 and allow them to purchase additional insurance at ages 21, 25, 30, 35 and 40 as well as when he/she gets married or has a child.
There are Life Insurance policies designed for people 50+ that do not require a physical or in-depth health questions. Don't wait until you retire, start your policy as soon as your turn 50 because the rates increase as you age.
Because Whole Life policies build cash value, they are great for building inheritances. Creating a Trust and naming it as the beneficiary allows you to designate funds to future generations to come or even to a well deserving organization.
I do understand having a tight budget or struggling to make ends meet. However, life insurance is something you MUST have. You can send a quick message with your date of birth, height & weight to get started.
San Antonio, Texas 78220, United States
(210) 762-2021 -- Call or Text
12:00 pm – 08:00 pm
Monday - Friday 6 pm - 8 pm
Saturday & Sundays 12pm - 8 pm