Life Insurance

Life insurance can help provide for the people who depend on your clients financially; in the event of our clients passing, it can cover their loved ones with a tax-free death benefit.  The money can be used for many different needs including expenses, replacing lost income, covering debts, paying a mortgage, and funding a child's education.

Many people find that combining both types of life insurance can help them meet both immediate needs and long-term goals.

Star Captial offers several types of insurance products such as:




Guaranteed Issue

A policy is offered to any eligible applicant without regard to health status.

Simplified Issue

Refers to any easy-to-obtain form of life insurance.  A policy can be garnered without many questions and usually without a medical exam.

Traditional Term

Offers simple, affordable coverage for a set period of time, typically 10 to 30 years.

Cash Back Return of Premium Term

A term life insurance policy in which all the premiums paid to the insurance company are returned to the policy owner at the end of the term.

Universal Life

A type of permanent life insurance, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy.

Indexed Universal Life

Offers growth potential through the ability to earn indexed interest credits linked to the performance of the Standard & Poor’s 500.  Composite Stock Price Index, or S&P 500, with protection from downside.

Valuable Universal Life

Builds a cash value.  The cash value can be invested in a wide variety of separate accounts, similar to mutual funds.

Buy Sell Agreements

Is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business.

Key Person Insurance

A standard life insurance policy that is used for business succession or business protection purposes.

Grandparent Gifting

You can give life insurance as a gift your children or grandchildren for birthdays, graduations, weddings, and all of life’s big moments.

Final Expense Insurance

Policy that’s designed to pay benefits to cover the cost of your funeral and associated expense.

Estate Planning Solutions

The collection of preparation tasks that serve to manage an individual’s asset base in the event of their death.

Whole Life Insurance

Permanent insurance, with flexibility to change payments, premiums, and death benefit options.

Universal Life Insurance

Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth.

Indexed Universal Life Insurance

Permanent insurance with returns linked to the stock market.