Protect What Matters Most with Life Insurance
Life insurance isn’t just a policy — it’s peace of mind. It’s a way to care for your loved ones, even after you’re gone. At Surface Financial Group, we help you find the right life insurance plan to fit your needs, your budget, and your future.
Whether you’re looking to cover final expenses, replace lost income, or leave a legacy for your family, we’re here to guide you every step of the way — with honest advice and small-town service you can trust.
Types of Insurance
Universal life insurance
A flexible premium life insurance policy that you can structure to meet your individual needs. Universal life policyowners can change or vary what they pay in premiums, paying more one month and less the next as their income fluctuates, as long as they pay enough, or there are sufficient policy values to cover the monthly charges that keep the life insurance policy in effect. For convenience, most life insurance policyowners choose to pay a planned premium on a regular basis.
Many universal life insurance policies offer death benefits options, such as death benefits that increase every year or the ability to reduce the amount of death benefit in the future if needs change.
For example: if you need additional life insurance during childrearing years, you can structure the death benefit to remain at a certain level for say 20 or 25 years. At the end of that period, you can reduce the death benefit to better fit your needs.
Term life insurance
A policy that has a level premium for a specific period of time. At the end of the period or time, the coverage for life insurance can be continued at a premium that increases annually with age.
For example, if you were to buy a 10-year term life insurance policy, the premium would be guaranteed not to increase for those 10 years. Then, if you still wanted the coverage, your premiums would begin increasing.
On average, term life insurance policies are sold for initial periods between 5 and 30 years. While traditionally the least expensive life insurance on the market, it is possible to buy universal life insurance with more flexible benefits at similar cost.
Whole life insurance
A policy that provides a guaranteed death benefit and guaranteed cash value for a guaranteed premium.
Some whole life policies pay dividends that can be taken as cash or used to purchase additional life insurance or reduce future premiums.
How much do I need?
How Much Life Insurance Do I Need?
The right amount of life insurance depends on your personal situation. A good starting point is to consider what your loved ones would need to cover final expenses, pay off any debts, and replace lost income. Think about your mortgage, medical bills, everyday living costs, or even future education expenses for your family. Our team is here to help you walk through these factors and find the coverage that makes the most sense for you.
How do I purchase?
How Do I Purchase Life Insurance?
Buying life insurance doesn’t have to be complicated. At Surface Financial Group, we make the process easy and personal. Here’s how it works:
1. Schedule a chat with one of our agents — in person or over the phone.
2. We’ll get to know your needs and help you compare plan options.
3. Choose the coverage that fits your budget and goals.
4. We’ll take care of the paperwork and walk you through every step.
Whether you’re new to life insurance or just want to update your current plan, we’re here to make sure you feel confident and cared for.
Frequently Asked Questions
Q: Do I need a medical exam to get life insurance?
Not always. Some plans do require a basic health screening, but there are also no-exam options available — especially for smaller policies or certain age groups. We’ll help you find the best fit based on your needs and health history.
Q: What types of life insurance are available?
We offer a variety of options including term life, whole life, and final expense insurance. Each serves a different purpose, and we’ll walk you through what makes the most sense for your goals and budget.
Q: Can I still get life insurance if I have health issues or take medications?
Yes, you can. Many of our clients have pre-existing conditions, and there are companies that specialize in offering coverage to individuals with health concerns. We’ll help you explore your options.
Q: How long does it take to get coverage?
In many cases, you can be approved and covered in just a few days — sometimes even the same day. More complex plans may take a little longer, but we’ll keep you informed every step of the way.
Q: What happens if I outlive my policy?
That depends on the type of life insurance you choose. Term policies cover a set period of time, while whole life policies can last your entire lifetime and even build cash value. We’ll explain the differences so you can make an informed choice.