Shirley Collenton Life Insurance Specialist

Whole Life Insurance Policy Features

Final Expense Life Insurance Policy

Permanent Whole Life Insurance protection.

Ages 0 - 85 may apply.

Insurance amounts available from $1,000 to $30,000.

Accidental Death Benefit Rider included.

Premium do not increase. Benefits do not decrease.

Builds cash value and loan value.

No medical exam required.

Just answer a few simple health questions on the application to see if you qualify.

Most Insurance Policies go into full benefit immediately after the first premium is

honored by the bank and the Policy is issued. No waiting!

Policy cannot be cancelled except for non-payment of premiums.

Automatic Premium loan provision is included to safeguard your policy.

Most claims are paid within 24 hours of receipt of all necessary paperwork.

About Me

Building Relationships

As an Insurance Specialist, I take pride in educating people about the importance of having life insurance.

I believe that the process of helping families choose the right amount of coverage that will fit their budget is not just business, but very personal in nature. For me, the relationship does not stop with the sale.

With each of my clients, I become part of their family - growing a very trusting and lasting bond, while providing on-going assistance especially in the darkest hour of need.

My Story

I have been employed in the field of Human Resources for over 30 years, working in the manufacturing and supply chain management industries.

I hold a Master's Degree in Business Administration and Human Resource Management. I enjoy traveling, shopping at flea markets and consignment stores, and watching a beautiful sunrise and sunset on the beach.

I have a great love for helping people and receive enormous pleasure and satisfaction when I am able to assist someone in improving their lifestyle and providing for their family.

Frequently Asked Questions

What are the different types of life insurance?

There are two main types of life insurance: term life insurance and whole or permanent life insurance.

Term Life Insurance

Term life insurance provides protection for a specific period of time (the term). This is often 10, 20, or 30 years. If you only need protection for a specific amount of time - - for instance, until your children graduate from college or your mortgage is paid off. Term life typically offers the most amount of coverage for the lowest initial premium. However, once the term of the policy is met, the premiums can increase significantly at renewal. Term life is often a good choice for people in their family-formation years.

Whole (Permanent) Life Insurance

Whole (permanent) life insurance provides lifelong protection - covers you for the life of the policy as long as premiums are paid. In addition, it accumulates cash value on a tax-deferred basis and provides living benefits which you can tap into to buy a home, supplement your retirement income, cover an emergency expense and more. These policies are usually more expensive than term life policies because of the added benefits they provide.