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Life Insurance is an integral part of every household, and it shows the love of giving after someone leaves this Earth. Loved ones for decades can pay for college, pay off homes, create businesses, donate to charities, create or maintain great lifestyles, etc.  There are many types of life insurance policies to include term, return of premium, and whole life.  With term life, you select a term period that if the insured becomes deceased in that period, they will receive the face amount of the policy, but if they outlive that term period, then the policy expires unless it is converted to a whole life policy. This option is the cheapest way to get insured while having a large face amount. Return of Premium works just like a term policy, but if you outlive the term, you will get your money back plus interest of approximately 10%, depending on the company. This is more expensive than Term Life but a great option when there is a budget issue.  Whole life is a permanent plan that never ceases, and the cash value continues to build with compounded interest, and in some cases, dividends as well. You can borrow on your policy from the accrued value. This type of plan is costly, and it is always better to start when you are younger, so your rates are locked in at lower rates.

Let’s face it. We only have one set of teeth, and we should take care of them! Whether it be a simple cleaning or something significant like a crown restoration, PPO Dental can be the perfect plan for you. What better way than with a Nationwide PPO Dental Plan! These plans include but not limited to:  Any Dentist Nationwide Preventative coverage like cleanings, topical fluoride, and sealants, etc. Basic coverage like fillings, oral surgeries, tooth extractions, x rays, etc. Major and Orthodontic coverage like root canals, crown restorations, periodontic scaling, braces, etc. $50 individual deductible/$150 for family Any Exclusions and Limitations will be explained during your free consultation!