No Medical Exam. Living Benefits. Cash-Back Options.
Affordable insurance that provides financial security for your home and family should tragedy strike.
Product Selector
Explore a range of products supported by the top 30 insurance carriers.
Mortgage Protection
Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.
Universal Life Insurance
Provides a depth of coverage that is both flexible and permanent. Tax-deferred benefits, living benefits and protection against the unexpected are all included.
Term Life Insurance
Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.
Final Expense
Provides your family peace of mind knowing that funeral or memorial, cremation and burial service expenses will be covered
Retirement Insurance
Enables you to enjoy the retirement you deserve with a range of financial solutions including annuities and IUL's.
Disability Insurance
Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan?
Frequently Asked Questions
Once you qualify, you pay premiums based on your amount of coverage. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.
Mortgage protection provides funds to cover an outstanding mortgage balance in the event of your death.
The main benefit is to protect your family in the event you die with an outstanding mortgage balance. This coverage is also easy to purchase, no physical exam is typically required, and rates are generally affordable. Certain policies also offer a return of premium feature, so if you don’t use the benefit, you get your money back.
Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.
Most plans are offered with simplified underwriting, so you don’t always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.
If you plan to purchase a home, or you’re already paying a mortgage, you should have this insurance to ensure you’re protected if the unexpected happens.
We are happy to answer any questions you might have. Get in touch with us.
What Our Customer Say
Read what our customers are saying about Luther James insurance Financial Group and our agents.
Extremely Knowledgeable
“The agent was extremely knowledgeable and helpful. They were able to get me coverage at an affordable price.”
Easy & Affordable
“It was easy, affordable and understandable. I love that I know my family will have additional coverage.”
Caring & Concerned
“My Agent did a great job explaining my options and finding the best plan for me. They were also very caring and concerned for my family’s well-being. Would definitely recommend Blueskye!”
Working With Luther James insurance
Experience the Luther James insurance Difference
- Best-in-class compensation and incentives
- Industry-leading career choice and opportunity
- Exclusive and diverse lead programs
- Full and part-time opportunities with the ability to work remotely
Helpful Resources
Experience the Luther James insurance Difference
LIFE INSURANCE
How to Plan for Different Life Stages With Life Insurance
MORTGAGE PROTECTION
As a homeowner, you want to make sure that your home and loved ones are protected, no matter what life brings.
Term Life Insurance
Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.
Would You Like to Request a Quote?
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