Life Insurance

We work with all Carriers

Find Life Insurance for You!

Find a Personalized Quote

Niles Zhang

ePro Associates

Why YOU Should Consider Life Insurance

Why should you get life insurance? To protect your loved ones’ futures. If you are no longer able to provide for your family, a life insurance policy will ensure your beneficiaries will have financial stability. The policy, or Death Benefit will ensure your family’s lifestyle will be preserved.

Understanding Life Insurance With Living benefits

Do you know, life insurance also comes with living benefits as well. How does it work?

If you experience a qualifying illness or injury, the Accelerated Benefits Rider (ABR) can allow you to access your death benefit while you are living for no additional expense. You also qualify to access the benefit if you live too long, allowing you to use the benefit for any purpose.(Exception for Massachusetts proceeds which must be used to pay for health expenses). 

See real-life testimonies:

Different Types of Life Insurance

A variety of options to assist and ensure you and your family’s needs are fulfilled.

‎ Term Life Insurance

25y Male Non-Tobacco Sample Rate
$ 18
  • 10-40 Year Coverage
  • Can transfer to a permanent plan in the first 10 years
  • Does not build cash value
  • $250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not available in New York.

Universal Life Insurance

25y Male Non-Tobacco Sample Rate
$ 60
  • Lifetime Coverage
  • Can transfer to whole life insurance anytime
  • Can build cash value
  • $100,000 of Protective Lifetime Assurance UL for life. Rate shown is not available in New York.

Whole Life Insurance

25y Male Non-Tobacco Sample Rate
$ 77
  • Lifetime Coverage
  • Potential to recieve passive income through investments
  • Can build cash value
  • May offer an optional fund you can contribute to above and beyond your regular life insurance.

Don't know which is right for you? Here is all the information you need


Term life insurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time (Usually 10 – 40 years). After the period is over, coverage at the previous rate of premiums is no longer guaranteed, and the client must either waive their coverage or renew coverage with different benefits. If the policy holder dies during the term, the death benefit will be paid to the beneficiary. Overall, term life insurance is the least expensive way to get coverage, however it is for a set period of time.

Term life insurance generally covers 10 – 40 years, while permanent policy covers you for the rest of your life. They both offer a tax-free death benefit, but term life is cheaper and temporary, while whole life will cost more, securing you for life however. You may always switch to a lifetime plan if you apply for term insurance though.

For more in depth, watch this video

Death Benefit depends on the plan you apply for.  When you die, your insurance policy will provide your family with your death benefit plan. Payments may vary from $250,000 – $1,000,000 depending on your plan. These benefits are tax free, and the value. could be increased in stock indexes.

The best plan is whole life insurance. This plan offers your death benefit will be guaranteed to your family without tax. It gives you the opportunity to increase your benefit too, through the stock market. This plan also gives you a fixed premium from when you first purchase the plan. Although this plan may be pricey, so if you are looking for a more value plan, Universal and Term life insurance are also great options.

How to apply for life insurance?

Life Insurance is easy and should not require much stress after you’ve chosen a plan. You will be expected to fill out an application, describing your daily lifestyle and health condition. Depending on your plan, you may also have to apply for a free medical exam. Both steps would lead you to your cost, and you’re done!

When should I get life insurance?

You’re at the healthiest stage of your life, and you’d like to stay that way. Life Insurance is at its cheapest and can help you:

 – Set yourself up for financial security

 – Maintain coverage in case you become unemployed

 – Protect your family from receiving your student debt

The most important and vulnerable stages of your life. From buying a new house, to taking care of a newborn, you have a lot on your hands.      Life Insurance will help you:

 – Stabilize your family’s financial if you die

 – Ensure your family can stay in their home

 – Cover education expenses or student debts

 – Leave your family tax-free money


Children are your first priorities, but without a doubt, it is a burdensome responsibility. Life Insurance is a good idea as it can:

 – Secure your children’s futures

 – Cover your children’s educations such as college

 – Protect your children in case you die

 – Start to plan your financials in the future


You’re soon getting older, and it’s time to plan your retirement. Life Insurance can help by:

 – Providing income replacement to your family so they could continue living

 – Protects your family and future generations from any debt you carry once you die

 – Cover medical expenses or final expenses

 – Leave an inheritance

You’ve worked your entire life, and now you’re ready to enjoy the hard work you’ve gone through. With careful planning you should reassess how life insurance can help you. Life Insurance benefits you by:

 – Paying for some of your final expenses such as burial costs

 – Provide you with backup funds by withdrawing from a policy that carries cash value

 – Help relieve unexpected medical payments

 – Leave behind a legacy for your family