Life Insurance… Its for the living.

Basically, there are three types of Life insurance: Term, Whole Life and Universal Life. This can be a very sensitive topic to discuss, however with some guidance, you can choose the type of insurance that best fits your needs and those of your family.

As you have questions about the cost of Life  insurance or how it will benefit you , I am available to discuss your options an provide you with the highest value for your insurance dollar. Remember, #itsfortheliving

Term Insurance

Term life insurance is often the most affordable coverage...


…It offers protection for a specific number of years. Often considered to cover the length of loans.

Whole Insurance

A form of permanent life insurance, whole life insurance


…Features guaranteed premiums, death benefits, and cash value.

Universal Insurance

Universal life insurance policies provide the flexibility to build...


…Your policy’s cash value or focus more on guaranteed protection.

Final Expense Insurance

Final Expense life insurance is affordable and designed to cover expenses like..


…Medical bills, credit card debt, and funeral costs, and can help protect your loved ones from future financial burdens.

FIUL Insurance

An FIUL Insurance policy can help fund college, with policy loans.

Fixed Index Universal Life Insurance

With Fixed Index Universal Life Insurance you can build cash value which can be accessible to help fund college, tax-free.

HAVE QUESTIONS? I can help you. Contact me today for your FreeVIPQuote.


Life Insurance

Why do I need life insurance?

When you have Life insurance you can help ensure that when you’re longer here, your families will still be able to fulfill their obligations and achieve their dreams. They won’t have to worry about whether they can make the mortgage or car payment or cover funeral expenses.

What can life insurance do?

A life insurance policy can help cover income losses that occur when the person responsible for meeting the household’s expenses and the family’s future financial security dies.

In addition, some Life insurance policies can offer living benefits such as accumulation money, which can be used when needed to help purchase a new home, new care, pay college tuition or fund your retirement.

“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin.  I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).

I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:

  1. doing a comprehensive review of your current insurance situation
  2. providing you with some competitive insurance quotes

I am ready and happy to help – Contact me today for your FreeVIPQuote, Thank you.” – Oscar G. Castillo