top of page

Your Financial Partner for Life

WELCOME TO THE COMEBACK
LIFE INSURANCE

AGENCY

About Our Products

Team Comeback hyper-focuses on products that will protect you, your family and loved ones in case of chronic illness, disability or death. We keep it simple with our products and carriers and seldomly stray far from what we have proven works. The Comeback way focuses on a few main products all offered by over 30 different carriers each with there own nuances. We have spent years building relationships with these carriers so we are really able to shop around and find the best policy for your family at the absolute best price. It is no secret that our carriers prioritize us when we do business simply because of how strong our relationships are with them. Our cutting edge technology is the best in the industry and allows our team to provide a FREE quote on any policy within minutes. Simply reach out to us and our team is here for you!

5014b5c9-ac27-4cc7-a798-1b776bb7e29f.png

Universal Life Insurance 

Universal life insurance combines permanent protection with an investment component. It’s a flexible product that can allow you to make changes to suit your evolving life. While your investment grows at a rate of 2% each year here’s how it works:

  • The premiums you pay go toward the certificate’s account value

  • A portion of this account is used to cover the cost of insurance and any other monthly charges

  • The other portion represents what’s known as your cash value. This can grow based on the interest accrued to the certificate’s account value. 

  • Providing lifetime life insurance protection

  • A death benefit is generally free of income taxes

  • Premium flexibility within maximum and minimum limit

  • Tax-deferred growth on cash value (some restrictions may apply)

  • Ability to withdraw funds or surrender for cash

  • Ability to take out loans against the cash

6f0469d3-6ea4-47c6-89ba-0d79c19f9181.png

Whole Life Insurance

Whole life insurance is a permanent life insurance policy that provides a death benefit to your beneficiaries and builds cash value for you. It's designed to last your entire life, as long as you keep paying premiums. 

Guaranteed death benefit 

  • A fixed sum of money paid to your beneficiaries when you die

  • Provides a financial cushion for your loved ones

Cash value

  • A savings component that grows over time 

  • You can access the cash value through loans or withdrawals 

  • You can use the cash value to help cover emergencies or college tuition 

Tax-deferred growth

  • Interest accumulates on a tax-deferred basis 

  • You won't owe taxes on any portion of your cash value that you don't touch 

Dividends

  • Some policies pay dividends, which can enhance the policy's value 

  • Dividends can be reinvested into your policy to help build cash value faster 

Lifelong coverage 

  • Whole life insurance guarantees coverage for the entirety of your life, as long as you continue to pay the premiums

Fixed premiums 

  • Premiums are generally fixed, offering predictable cost.

5f257659-b351-4d27-9a63-2fc99999dc9b.png

Term Life Insurance

A term life insurance policy is the simplest, purest form of life insurance: It is most often used to protect your mortgage although you are not restrcted to only being able to protect your mortage  You pay premiums for a set 10-year, 20-year, or sometimes 30-year time frame, and if you die during that time, a cash benefit is paid to your family. This is the most common form of insurance used for mortgage protection. 

Financial protection 

  • Pays a lump sum to beneficiaries if you die unexpectedly

  • Helps cover essential expenses like mortgage payments, utility bills, and daily living costs

Affordable premiums 

  • Typically more cost-effective than permanent whole life policies

  • Most term policies have "level premiums," meaning your monthly premium stays the same for the entire term

Critical illness coverage 

  • Provides funds to help pay for medical expenses if you experience a critical health event, such as cancer or a heart attack

  • Allows you to cash in life insurance while still alive

Other benefits 

  • Accidental death benefit rider provides an additional payout if you die due to an accident

  • Flexible payment options

  • Easy to understand

Term life insurance policies have no cash value, no payout after the term expires, and no value other than a death benefit. 

-post-ai-image-1179.png.webp

Final Expense / Critical Period

Uses of Final Expense Policies

 

  1. Funeral and Burial Costs: Covering the expenses of a funeral service, burial,      or cremation.

  2. Medical Bills: Paying off any outstanding medical bills that may have accumulated.

  3. Legal Fees: Handling any legal fees associated with the estate.

  4. Outstanding Debts: Settling any remaining debts, such as credit card bills or personal loans.

  5. Living Expenses: Providing financial support to the family for living expenses during the transition period.

 

 

Who Should Consider Final Expense Policies?

 

  • Seniors: Especially those who do not have significant savings or life insurance coverage.

  • Individuals with Health Issues: Those who may not qualify for traditional life insurance due to health concerns.

  • Families with Limited Savings: Families who may struggle to cover unexpected end-of-life expenses.

  • Homeowners: To protect the mortgage through critical period coverage.

 

 

 

Critical Period Coverage

Final Expense Policies can also be used as a form of critical period coverage. This concept involves using the policy to cover mortgage payments and other essential expenses during a critical period following the policyholder’s death. This ensures the family has time to adjust financially without the immediate pressure of covering these costs.

ABOUT US

comeback pic 1.jpg

Our Mission

Comeback Team Life Insurance Agency is your go-to destination for reliable mortgage protection and life insurance solutions. We work via Symmetry Financial Group, one of the strongest financial groups in the country. With a network of over 30 insurance carriers, we provide competitive rates tailored to your needs. Our 20 year expertise focuses on offering the best mortgage protection and life insurance prices, offering educational resources, showcasing customer testimonials, and connecting with our community through our Facebook page.

Dan, MA

"Working with Kevin and the Comeback Team was easy and seamless. Kevin was able to get me a great policy at an unbeatable price within about an hour. He and his team are knowledgeable to the fullest and couldn't recommend more."

Emily, NC

"I am a mother with three young kids and wanted to make sure we were protected. The Comeback Team was genuine and caring as well as efficient. In working with them was one of the best decisions I have made to get the best policy for my young family."

Lisa, MS

"I was able to get a Final Expense policy through Kevin and his team. With being on the fence at first about life insurance at this time, Kevin provided me with the info I needed to make the decision to get coverage so my family has peace of mind."
bottom of page