Why Choose Cardinal Financial and Insurance Group as Your Independent Life Insurance Agent?

Why Choose Cardinal Financial and Insurance Group as Your Independent Life Insurance Agent?

When it comes to securing your financial future, choosing the right life insurance agent can make all the difference. At Cardinal Financial and Insurance Group, we take pride in being an independent agency that works for you, not for a single insurer. Here’s why partnering with us is the right choice:

Personalized, Expert Guidance
Our experienced agents take the time to understand your unique needs, financial goals, and lifestyle. We offer tailored advice and guide you through a variety of life insurance options, ensuring you make the best decision for your future.

Access to a Wide Range of Insurance Providers
As an independent agency, we have access to a diverse selection of top-rated life insurance carriers. This gives us the flexibility to compare options and find the best coverage at the most competitive rates for you—without being tied to one specific company.

Unbiased, Objective Advice
Unlike agents who work for a single company, our focus is on what’s best for you. We provide unbiased recommendations based on your specific needs and make sure that you are fully informed about your options. Our priority is to find the right coverage that fits your budget and goals.

Ongoing Support and Service
At Cardinal Financial and Insurance Group, our relationship doesn’t end once you purchase a policy. We’re here for you every step of the way, providing ongoing support for policy adjustments, claims, and updates as your life changes.

Years of Trusted Experience
With decades of experience in the insurance industry, our team has the knowledge and expertise to navigate the complexities of life insurance. We make sure you understand your options and provide the best possible solutions to protect your loved ones and future.

Choosing Cardinal Financial and Insurance Group means working with a dedicated, independent partner who prioritizes your financial security. Contact us today to get the personalized service and comprehensive life insurance options you deserve!

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

What types of insurance do you offer?

We offer Term and Whole Life Insurance. 

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

What is the most popular type of life insurance?

The most popular type of life insurance is term life insurance due to its affordability and simplicity. It provides coverage for a specific period, making it an ideal choice for young families and individuals with temporary financial obligations.

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

How much does life insurance cost?

The cost of life insurance varies based on factors such as age, health, type of policy, and coverage amount. Term life insurance premiums can be as low as $20 per month for healthy individuals, while permanent policies generally have higher premiums.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Which types of life insurance generate cash value?

Whole life, universal life, and variable life insurance policies generate cash value. These policies build savings over time, which can be accessed through loans or withdrawals, providing both a death benefit and an investment component.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Term Life Insurance

May make sense for those who have budget limitations, large protection needs or temporary need.

Offers:

  • Guaranteed death benefit for a fixed period
  • Fixed premium.
  • No cash value.
  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
  • Initial premiums tend to be lower but will eventually increase.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Whole Life

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.

Offers

  • Guaranteed death benefit
  • Guaranteed cash value
  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
  • Level premiums that are guaranteed to never change.
  • Customizable plans
  • Expert advisors
  • Financial security for your loved ones

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Universal life insurance

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

Increasing the death benefit may be subject to additional underwriting approval.

Offers

  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

What Are Life Insurance Living Benefits?

Living benefits come in the form of life insurance riders attached to a life insurance policy. Sometimes they’re also known as accelerated death benefits and are available on both term life insurance and permanent life insurance policies.

Living benefits essentially allow the insured to access money from the policy’s death benefit while they’re still alive. These funds can be used to pay for expenses associated with terminal or chronic illness, such as medical care, hospice or nursing home care, in-home caretakers and more. The trade-off is that accessing living benefits reduces the death benefit available to your beneficiaries when you die.

Examples of common living benefits include:

Terminal illness: If you are given a terminal diagnosis with a life expectancy of six months to two years (exact timeline depends on the insurer), you can use this rider to cover end-of-life care and other associated expenses. Often, a terminal illness rider is automatically included in the policy without extra cost, but you should check with your insurer to find out.

Chronic illness: This rider applies if you’re diagnosed with a chronic illness that prevents you from performing at least two of the six “activities of daily living” (ADLs). These are bathing, eating, getting dressed, toileting, transferring and continence.

Critical illness: You can also access living benefits with a critical illness rider, covering qualifying illnesses that shorten life expectancy and have high medical costs. Examples include heart attack, stroke and kidney failure.

Long-term care: This rider allows you to access living benefits if you need to pay for long-term care services and you can’t perform at least two of the activities defined under ADL guidelines.

Keep in mind that to access living benefits in life insurance, you will need to submit a claim to your insurance company along with medical records and other documentation. You may receive living benefits as a lump sum or on an as-needed basis. Often, you’re limited in how much you can withdraw to a certain percentage or dollar amount of your policy’s death benefit, such as 80%.

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

How Much Is Life Insurance With Living Benefits?

Living benefits may be included with your life insurance policy at no additional charge. For example, a terminal illness rider is typically included automatically on term life policies for no additional fee. Ask your insurance agent if there’s a charge or a critical illness or chronic illness rider.

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

How to Get a Life Insurance Policy With Living Benefits

If you’re interested in adding living benefits to your policy, be sure to ask insurance companies about your options when shopping for a policy.

It’s common to opt into a living benefits rider when you first purchase your life insurance policy. Many policies also automatically come with at least one living benefits rider, such as terminal illness.

Even so, it may be possible to add on a living benefits rider later. There might also be a waiting period during which you cannot access living benefits. Once the waiting period is up, you can file a claim and access your benefits if you’re eligible.

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Why Choose Annuities?

Annuities can offer a stable income stream and peace of mind, providing you with the financial security you need in your later years. Some key benefits of annuities include:

  • Guaranteed Income: Receive a steady income stream for life or for a set period.
  • Tax Deferral: Grow your savings on a tax-deferred basis, allowing your investments to grow faster.
  • Customization: Choose from fixed, variable, or indexed annuities based on your financial goals and risk tolerance.
  • Protection: Protect your principal from market downturns with options that offer safety and security.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Types of Annuities We Offer?

Fixed Annuities: Offer predictable, guaranteed returns and a fixed income stream.

Immediate Annuities: Start receiving income right away, ideal for those near or in retirement.

Deferred Annuities: Allow your investments to grow before you begin receiving income at a later date.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

How can I request a quote?

You can request a quote by filling out our online form or contacting us directly.

 

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

Do you offer retirement planning?

YES...

Preparing for the future involves building momentum toward your desired pursuits. Your retirement years offer the promise of achieving the goals you have diligently worked towards, but they also come with numerous questions. Begin with a partner that understands the intricacies of wealth planning and can guide your momentum, enabling you to transition confidently into retirement.

Get your FREE Quote Today...Click link Below

https://lifelink.simplicitygroup.com/agent/bethea-11521?product=mpt

 

7 Life Insurance Myths and the Truth

Life insurance can sometimes be difficult to comprehend Do you genuinely require it and if so, how much Whether or not you decide need life insurance we clarify some of the most common misunderstandings about life insurance below.

 

Myth #1: I don’t need life insurance. I have some through my job.

Truth: Life insurance offered through your employer is a great benefit–while you have it. If you leave your company, the life insurance coverage doesn’t leave with you. Also, the coverage amount is usually a flat amount or equal to a year’s salary and that amount may not be enough–for long enough. While you may have the option to convert your work policy to a permanent policy or buy multiples of your salary, a separate life insurance policy stays with you no matter who you work for. To figure out how much you might need, try this simple calculator.

Myth #2: Life insurance is too expensive.

Truth: There are many different types of life insurance to meet your needs and your budget. Some people only want to provide a death benefit for final expenses while others want to leave behind a pool of money for the kid’s college, paying off the mortgage and charitable giving. It’s up to you how much coverage you want.

Myth #3: Only healthy people can get coverage.

Truth: Life insurance companies offer coverage to people with a range of common medical conditions including high blood pressure. The coverage may cost more than someone in perfect health so it’s important to be up-front with health issues. Life insurance companies have medical underwriters and medical directors on staff so your information is with people who understand your health conditions.

Myth #4: I don’t need life insurance because I don’t have any dependents.

Truth: Even if you aren’t married or have children, life insurance helps pay for final expenses and settle estate debt like medical bills, taxes, etc. It’s also one of the easiest and most amazing ways to leave a legacy. The benefit can be directed to fund a favorite charity or cause, pay down family members’ mortgages, or send nieces, nephews to college. The legacy is yours and the possibilities are endless.

Myth #5: I’m young and don’t plan on dying anytime soon.

 

Truth: No one plans on dying anytime soon! Life insurance is the type of product you buy before you need it. You don’t wait until your cell phone is stolen or falls in the sink to insure it and you don’t wait until you are sick or old to buy life insurance.  The time to purchase life insurance is when you are young and healthy. Your wallet and loved ones will thank you. Trust us.

Myth #6 People have to wait until I die to get any benefit from the policy. 

Truth: Many types of life insurance policies have extra benefits called living benefits1 that allow you to use the policy while you are alive. Living benefits on a life insurance policy allow you to access the death benefit, while you are alive, if you have a heart attack, stroke, cancer, cystic fibrosis, ALS, and other illnesses and injuries. Make sure you ask your agent about these benefits and what conditions qualify on the policy you are interested in.

Myth #7: Only the breadwinner in the family needs life insurance.

Truth: The life insurance benefit covers more than just a missing salary. Parents/spouses who aren’t the breadwinners still contribute financially either through a smaller paycheck and/or household duties. The cost of services provided by a stay-at-home parent is approximately $118,905 annually and a parent with outside employment contributes approximately $70,107 worth of services to the household.2

Deciding if you need life insurance and how much is a personal decision. Working with a financial professional can be helpful for putting together some financial strategies for now and later. There are many financial professionals who specialize in working with families and small business owners.

Learn more about the different types of life insurance that are available.

See our Insurance Partners below

 

Contact Us



Location

Cardinal Financial and Insurance Group
Cary, North Carolina, United States

14000 Burbage Circle Suite 141, Cary, North Carolina, United States

Phone: (919) 357-6971