About Us
20+
YEARS OF EXPERIENCE
ABOUT US
Protecting What Matters Most, When It Matters Most.
Everlast Insurance Group was built on personal experience. Our founder saw firsthand the heartbreak families go through when a loved one passes without insurance. Not only was there grief, but also the heavy burden of unexpected expenses. That experience became the driving force behind our mission: to make sure other families never have to go through the same struggle.
- Final Expense Insurance
- Coverage for All Health Situations
- Building a stronger foundation for your future
100% Safe Money
Your premiums are secure, and your loved ones are guaranteed the protection you planned for.
Anytime Money Back
Flexible options that allow you to access or adjust your money when you need it most.
Fast Process
Simple applications and quick approvals mean your coverage starts without delay.
WHY CHOOSE US
Why You Should Choose Our Insurance Policies
Choosing the right insurance isn't just about buying a policy; it's about finding peace of mind for yourself and security for your loved ones. We believe in building relationships, guiding you through every step, and making sure you feel valued and supported along the way.
Frequently Asked Questions
Whole Life Insurance
Whole Life Insurance provides lifelong coverage and builds cash value over time, while Term Life Insurance offers coverage for a set period without cash value.
The cash value grows based on a fixed interest rate set by the insurer, and you can borrow against it if needed.
With Whole Life Insurance, your premiums and coverage are typically fixed, giving you predictability and stability.
No, your premiums are locked in for life, so you won’t have to worry about increases as you get older.
Term Life Insurance
Term Life Insurance offers coverage for a specific period, such as 10, 20, or 30 years. Once the term ends, you can either renew or let the policy lapse.
Yes, Term Life Insurance typically costs less because it doesn’t include cash value accumulation.
Many policies allow you to convert Term Life Insurance into Whole Life Insurance before the term ends, without having to prove insurability.
If you outlive your policy, you won’t receive a payout, but you’ll have the option to renew or convert to a permanent policy if you still need coverage.
Index Universal Life (IUL)
The cash value grows based on a stock market index, like the S&P 500, but with limits on both the gains and losses.
While there’s no risk of losing the base cash value, the performance of the index can affect how much your policy earns.
Yes, one of the key benefits of Index Universal Life is its flexibility. You can adjust your death benefit or premium payments as your life circumstances change.
The cash value of your policy is tied to market performance but typically has a cap on gains, so while you benefit from market growth, you’re protected from significant losses.
Annuities
An annuity is a financial product that provides you with regular payments over a set period or for life, offering a stable income stream.
The right annuity depends on your goals whether you need a fixed income for a set period or lifetime, or prefer one with variable returns based on market performance.
Some annuities allow for early withdrawals, but they may come with penalties. Be sure to check the terms of your annuity for flexibility.
Payments are usually based on factors like the amount you invested, the length of the payout period, and whether you choose a fixed or variable annuity.
Guaranteed Issue Insurance
It's life insurance that requires no medical exams or health questions—acceptance is guaranteed.
Everyone within the eligible age range is qualified, regardless of their health history.
Some plans may include a short waiting period before full benefits are available. We'll explain your options clearly.
Guaranteed issue policies typically range from $2,000 to $25,000, which is sufficient to cover funeral costs and final expenses.