Fort Lee

TRANSITIONING? WE ARE YOUR INSURANCE RESOURCE

If It Is Time to ETS or RETIRE – It Is Time to Ask Questions

LIFE INSURANCE

Pros and Cons of VGLI
Term -VS- Permanent
Cost and Other Underwriting Factors
When to Apply
Protection For You and Your Spouse

6 – 12 MONTH MEDICAL (HEALTH INSURANCE) & DENTAL

Flexible Coverage Periods, for individuals and families
Immediate Protection, Coverage as soon as Next Day
Doctor, Urgent Care, Emergency Room, Hospital and more
Access to AETNA Open Choice PPO Network. More than 690,000 Primary Care Doctors

CRITICAL ILLNESS

Lump-sum Cash Payment to you Upon a Diagnosis of a Covered Critical Illness Condition. I.E. Cancer, Heart Attack, Stroke, Alzheimer’s Disease.
Provides Cash Benefits Directly to You. Cover Lost Wages from Work, Mortgage or Rent, Additional Healthcare Cost, Childcare etc.
Coverage For You and Your Spouse. Policies Starting at $20 Per Month. *Underwriting Applies

HAVE QUESTIONS?

SCHEDULE YOUR NO OBLIGATION 15 MINUTE CONSULT WITH OUR VETERAN TRANSITION EXPERT TODAY.

Fortis helped me secure a $1 Million dollar policy when other companies couldn't. It is a peace of mind knowing my kids are protected should something happen.

Topaz, N

U.S. Army Retired | SGM

After a decade in the insurance space I founded Fortis Life Group to help transitioning service members and their families. This insurance stuff can be complicated, and we’re really good at what we do. We love to help.

~David Johnson, U.S. Army Veteran

THIS IS WHERE WE SHOW OFF SOME LIFE INSURANCE KNOWLEDGE

Term VS Permanent

There are two main types of life insurance
One expires. One lasts forever (think of renting a home VS buying). Both have value for different reasons
It’s possible to have term now, then convert it to permanent later in life
Certain permanent policies may build a cash value you can access later in life

How Does it Work / What It Means to Me

Life insurance companies have decades worth of data and what is called mortality tables
These tables predict the probability of death based on factors like age, gender and more
You go through underwriting and are placed in a risk class — you might of heard terms like Preferred, Non-Preferred, Standard etc
Long story, less long you are then presented with a rate (AKA a premium)

Riders on a Life Insurance Policy

Think of riders as icing on the cake. The Life Insurance Policy is the core and riders are additional benefits
Example: A Return of Premium Rider means; If you don’t use your policy, when it expires, you get all your premium back. It’s a win-win
Living Benefits. This can be money to you if you experience a critical illness such as; a stroke, heart attack, cancer AND don’t die.