Our
Story
Our team at Davis & Associates LFG was established in early 2013. Family-owned and operated, we are a group of dedicated, passionate and knowledgeable insurance professionals who have a diverse skillset but a unified mission for protecting families.
Our main priorities are to establish long-term relationships with our clients, to educate them on life insurance, and provide them with the best possible service experience and value available.
We pride ourselves on leaving our clients and their families in a better insurance position than how we find them by encouraging them to make informed decisions based on our education-based approach. Our team will never pressure, but respectfully advise based on our years of experience. Our clients are our lifeblood. Our heart is for them, and it is our sincerest honor and privilege to service each individual through the selfless act of securing life insurance for their families.
We look forward to working with you!
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DID YOU KNOW...?
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Only 57% of Americans have Life Insurance, and of those, half don't have the right type of coverage.
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32% of Americans who have life insurance only have group coverage, which usually won't be enough and will not last long enough.
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It's MORE AFFORDABLE than you may think! According to the industry organization LIMRA, 80% of people overestimate the cost of Term Life Insurance. Millennials, in particular, overestimate the cost by 213%.
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The EARLIER you take out a policy, the more affordable it is!
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It's best to REVIEW POLICIES REGULARLY to ensure you have the best coverage for your stage of life.
Why life insurance?
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LIFE INSURANCE BUYS TIME & OPTIONS
Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions—and to do so very quickly! They will have to make the decisions at a time when they may not be emotionally in a position to make good choices. Life insurance gives survivors a chance to adjust to a new way of life over time rather than having to make drastic changes right away.
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LIFE INSURANCE IS FOR THE LIVING
It's not about us, it's about them. Life insurance helps to ensure that you give you family choices by providing a way to help pay off debt, manage day-to-day living, pay monthly bills, provide a college fund, and so much more.
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LIFE INSURANCE IS AN EXPRESSION OF LOVE
It’s about meeting responsibilities and keeping promises. You view your decision to purchase Life insurance from your family's point of view, not your own. It's a tool that protects your spouse and children from the potentially devastating financial losses that can result if you die
prematurely.
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LIFE INSURANCE PROVIDES CASH WHEN IT IS NEEDED THE MOST
Your Life insurance policy can deliver a specified sum of money at the exact time of
need. Upon your death, your family can be assured that the amount you’ve chosen —
perhaps tens of thousands of dollars — will be there almost immediately. And that
death benefit is generally TAX-FREE! For example, a $40,000 policy provides $40,000
in death benefit proceeds.
Common Types of Life Insurance
TERM LIFE provides life insurance protection for a specified period of time. Term Life is usually best for younger individuals or families with more expenses that will need to be covered if the main income earner passes away.
WHOLE LIFE is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Premiums also remain level, as does the coverage amount.
UNIVERSAL LIFE/FLEXIBLE PREMIUM ADJUSTABLE LIFE is really just a mixture of both Term Life and Whole Life Insurance, characterized by its flexible premiums, face amounts, and unbundled pricing structure. The savings element, premiums, and death benefit can be reviewed and altered as a policyholder’s circumstances change. This type of policy typically has the most unknown variables.
GUARANTEED WHOLE LIFE (2 Year Wait) is typically only issued if someone has underlying health conditions that would prevent any type of immediate coverage options. These types of policies are typically advertised on TV ads, radio ads, and flyers in the mail and require minimal, if any, health questions to be answered.
ACCIDENTAL LIFE is a common type of insurance coverage for many Americans. It's known for its low monthly premiums and higher pay out if you pass away due to an accident. Most people, however, are not aware that they can get this same type of coverage at little to no charge when bundled with a Whole Life policy.
Ways We Can Help You!
In Person
Over the Phone
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Contact Us TODAY for a FREE QUOTE or questions regarding new or existing Life insurance policies!
We will reach out within 2 business days!