B Rite Insurance Agency is a Black Owned Independent Insurance Agency. We work for you, not the Insurance Companies. Our goal is to find the most appropriate coverage for you at the most affordable price.
At B Rite Insurance Agency, Black Lives Matter is a commitment, not just a hashtag.
B Rite Insurance Agency ONLY provides services to residents of the State of Texas at this time.
Term Life Insurance policies provide coverage for a specified term: usually 10-30 years. Once the term is over, your insurance coverage ends.
Term Life Insurance is Temporary Coverage.
Final Expense Insurance policies provide Lifetime coverage and is usually referred to as a Burial policy.
Final Expense Insurance is Permanent Coverage.
Whole Life Insurance policies provide Lifetime coverage and the minimum Face Value usually $25,000.
Whole Life Insurance is Permanent Coverage.
Universal Life Insurance policies are very similar to Whole Life policies, but you have the option of decreasing or increasing the Face Value over time.
Universal Life Insurance is Permanent Coverage.
Do you have young children, a spouse and/or a mortgage on your home? If so, Term Life can be used as an additional layer of protection on top of your Final Expense policy.
Term Life is the cheapest form of Life Insurance you can get, but remember -- it's only Temporary. This is a great option for people who have dependents that will suffer a financial loss in the event of their death.
Protection for your most valuable assets -- Your Family.
The average cost of a funeral is $7,000 (for cremation) and $10,000 (for burial). How will your family cover the cost of your funeral?
A Final Expense policy normally has a minimum face value of $1,000 and a maximum of $25,000 . You have the option of paying throughout your lifetime or paying the policy up in 10 years, 20 years or to age 65.
Final Expense Insurance is one of the most responsible purchases you will ever make.
Would you like to create a legacy by leaving money to your descendants?
A Whole or Universal policy is the perfect way to accomplish that goal. The face values for these policies usually range from $25,000 to the multi-millions.
Creating a Legacy for your descendants starts with YOU.
Your children and grandchildren are your Legacy.
Children's Whole Life policies are extremely affordable and offer Guaranteed Purchase Options to increase coverage throughout your child's life. These policies are a great way to Create Wealth for Future Generations.
Get a quote today to learn more!
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Your insurance at work is Group Insurance; you only have it while you are a member of that Group. Once you are no longer employed at your current job, you will lose those benefits. Some empoloyers allow you to keep those benefits, but the rates are much higher than what you pay while you work there. Purchasing Life Insurance outside of works protects you in the event you are no longer employed with your current employer.
Life Insurance can be very affordable and is much more convenient than paying Funeral costs unexpectedly and out of pocket. Depending on the type of policy and the amount of coverage you select, your monthly premiums can be as low as $15.
Just about everyone who is not currently chronically or terminally ill can "qualify" for Life Insurance. Some policies require a physical exam and some are approved by answering very simple medical questions. If you know that your health is not as good as it should be, make sure you request a "Non-Medical" policy to avoid a physical exam and fewer health questions.
When selecting a Life Insurance policy, you typically have the option to pay monthly, quarterly, semi-annually or annually. If your household receives a Tax Refund, paying your premiums annually is the most logical choice. In addition, many policies allow you to pay your policy up in 10 or 20 years, or until age 65.
Children's Whole Life Insurance policies have extremely low premiums and also include Guaranteed Purchase Options (GPOs). GPOs allow for the purchase of additional insurance throught your child's life at the same rates it was originally purchased at. For example, you can purchase a $50,000 policy and will have multiple opportunites to add up to $50,000 each. This means that $50,000 policy has the potential to be upgraded to a $350,000 policy by taking advantage of the GPOs.