Hi, I’m Karen Stanford,
Licensed Life Insurance Agent with SeniorCare USA
National License #17237447
Whole Life Protection That Lasts a Lifetime – Not Just a Term
Get Covered Today
Find out right over the phone what policy works best for you and your loved one.
No One Turned Away
Guaranteed Issue options are available, allowing you to peace-of-mind.
Coverage That Fits Your Needs
From $5,000 to $150,000 in whole life insurance coverage, designed to provide lasting peace of mind for you and your loved ones.
Simple, No-Medical Process
No needles, no home visits. Just a few basic health questions—or none at all—with same-day approvals over the phone.
Affordable, Flexible Payments
Monthly rates starting as low as $40. Choose paperless billing, bank draft, and debit cards—whatever fits your budget.
Nationwide Carrier Network
We partner with trusted insurers like Mutual of Omaha, Gerber, American Home Life, Baltimore Life, Transamerica, and more to find you the best policy at the lowest rate in your state.
How is Whole Life Insurance Different from Prepaid Funeral Plans?
Funeral home plans often leave out major expenses—cemetery costs, legal fees, travel, and more—leaving families with bills ranging from $2,000 to $20,000 or higher. Whole life insurance provides cash directly to your chosen beneficiary, ensuring that all expenses are covered and your family isn’t left with unexpected financial burdens.
What Makes Whole Life Better Than Term Insurance?
Term insurance eventually expires, often between ages 70–80, leaving you uncovered when you may need it most. Whole life insurance never expires, premiums never increase, and your coverage amount never decreases. It’s protection that stays with you for life.
Can I Get Coverage If I Have Health Problems?
Yes! Our policies don’t require blood work or in-home exams. Many people qualify after answering just a few health questions, and for those with more serious conditions, we offer Guaranteed Issue policies that ask no health questions at all. No matter your health history, we’ll find an affordable plan that works for you.
1. What states do you serve?
We currently offer life insurance coverage in more than 30 states, including AL, AZ, AR, CA, CO, FL, GA,ID, IL, IN, IA, KS, LA, MD, MI MS, MO,MT, NC, NE, NJ, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV and many more.
2. How much coverage can I get?
Policies range from $5,000 to $150,000 in whole life coverage.
3. Will my monthly premium ever increase?
No. Once you lock in your whole life policy, your premium stays the same for life.
4. Who can I name as my beneficiary?
You can choose anyone—family, friend, or trusted person—and you can change your beneficiary at any time with a simple signature.
5. How soon can I get approved for a policy?
All applicants find out right over the phone what life insurance policies they qualify for. No waiting for weeks of paperwork.
6. What payment methods do you accept?
We offer flexible payment options including automatic bank drafts, and debit cards.
7. What if I’ve been turned down before?
Don’t worry. With our wide range of life insurance carriers and Guaranteed Issue options, we can help nearly anyone secure affordable coverage.
8. Will life insurance contact beneficiaries?
Yes. When a claim is filed, the insurance company will reach out to the beneficiaries listed on the policy to verify their information and begin the payout process. Carriers require beneficiaries to provide a few documents, such as a death certificate, before the benefit is released. While insurers don’t typically notify beneficiaries ahead of time, they will work closely with them once a claim is submitted to ensure funds are delivered smoothly. To avoid delays, it’s always a good idea to keep beneficiary information, such as mailing address, up to date.
9. Is life insurance taxed?
In most cases, life insurance payouts are not subject to federal income tax. That means your loved ones will receive the full benefit amount you chose to help with final expenses and financial needs.
10. Will life insurance payout affect SSI?
No, the payout from a life insurance policy does not count as income for Social Security. However, if the money is left sitting in a bank account, it may count as an asset later. That’s why many families use the funds right away for funeral costs, bills, or other expenses.
11. Are life insurance premiums tax deductible?
Life insurance premiums are considered a personal expense, so they are not tax deductible. The good news is, your premiums will never increase, and your coverage will never decrease—giving you guaranteed value for what you pay.
12. What whole life insurance plan is best?
The “best” plan depends on your age, health, and budget. That’s why we work with multiple top-rated carriers and compare policies across your state to find the most affordable option that gives your family the protection they deserve.
Life Insurance Carrier Network
About Karen
Final Expense Insurange Agent,
National License #17237447
I truly believe I represent the best Life Insurance agency. I work for a family run business that categorizes all of us as such; FAMILY.
My Bachelor’s of Science, Business & Psychology degree has been transformative in cultivating my self-esteem and self-worth. I enjoy what I do and believe in what I have to offer. I love being a resource to help others, which gives me a sense of well-being. This translates into my clients’ satisfaction. With the many choices I have available in safeguarding their family, my clients trust they are being protected for their whole life. Where a person stands in life today is hardly ever the same upon retirement when leaving their employer and their group policy ends. With all of the obstacles in one’s life today, I believe a life insurance policy can keep an individual stress free.
My journey of selling life insurance has educated me in the meaning of cherishing Life through God’s grace, as so many lose the lives of their loved ones everyday. No matter your circumstances, I look forward to assisting you and your family navigate this important decision.
Together, We’ll Find the Right Coverage for You and Your Family
