Secure
Your Future
Protecting Your Loved Ones with Reliable Life Insurance Solutions
Our Mission
At Summit Life Group, we are dedicated to providing peace of mind by offering comprehensive life insurance coverage tailored to your unique needs.
Crafting extraordinary events tailored to your unique vision.
Protect what matters most during your peak earning years.
Affordable coverage for a set period (10–30 years) designed to replace income, cover a mortgage, or fund education if the unexpected happens.
Whole Life provides permanent coverage that never expires as long as premiums are paid, plus a guaranteed cash value component you can access. (Dividends may be paid by some carriers and aren’t guaranteed.)
Universal Life combines lifelong coverage with the ability to adjust premiums and build cash value through interest crediting (or index-linked crediting in IUL, subject to caps and floors—no direct market participation).
Simple coverage to ease end-of-life costs. Designed for ages 50–85, Final Expense helps cover funeral and related expenses so loved ones aren’t burdened. Many policies offer simplified underwriting.
Frequently Asked Questions
Common Questions Answered for your convenience.
The right policy depends on your goals, budget, and time horizon. Term Life is often best for affordable, temporary protection, while Whole or Universal Life can provide lifelong coverage and build cash value. We’ll review your needs and help you choose the right fit.
A common guideline is 10–15 times your annual income, but your ideal amount depends on your debts, family’s living expenses, and future financial goals. Our needs analysis helps ensure your coverage truly protects your loved ones.
For Term Life, premiums stay fixed for the length of your term. Whole Life premiums are guaranteed to remain the same for life. Universal Life premiums can be flexible but should be monitored to maintain coverage.
Yes, many insurers offer policies with simplified underwriting or no medical exams, depending on your age and health history. Your options and rates will vary, but we work with multiple carriers to find the best fit.
When your term ends, you may have the option to renew at higher rates, convert to permanent coverage, or apply for a new policy. We’ll help you review the best option before your term expires.
Most claims are paid within 7–14 business days once the necessary documents are submitted. We guide beneficiaries through the process to make it as smooth and stress-free as possible.