Welcome to Living Proof Insurance
At Living Proof, we protect what matters most—your loved ones and assets. Our expert brokers deliver
personalized insurance solutions that fit your needs. Trust us, and you’ll see why Living Proof is the
right choice.
National Producer Number: 20492942
George M, Your Most Trusted Source in the Insurance Industry
I’m not just an insurance broker—I’m your inside guy. I saw the gap between what people are told and what’s actually possible.
My mission? To bridge that gap with honesty, transparency, and solutions that work for you. Insurance isn’t just another bill—it’s a tool that can build wealth, protect your family, and keep you prepared for whatever life brings to your doorstep.
I'm here to make sure you get what you deserve and more importantly, understand.
No gimmicks. No pressure. Just the truth—and a bulletproof plan that works for you.
The proof is in my work.
- Most Trusted
Understanding Your Options
Choosing the right life insurance policy can feel overwhelming, but don’t stress! We’ve put together this guide to give you a clear overview of your options—Term, Term with Return of Premium, Whole Life, and Indexed Universal Life. This info is here to help you get started and understand the basics.Remember, every individual’s needs are unique, and that’s where we come in. Our team is ready to help you navigate these choices and find the perfect policy that fits your lifestyle and goals. Let’s make your insurance decision simple and tailored just for you!
Indexed Universal Life (IUL) Insurance
What It Is: IUL Insurance combines flexible premium payments with a cash value linked to a stock market index. It offers the potential for higher returns and adjustable death benefits.Benefits:
Flexible Premiums: Adjust your payments and coverage as needed.
Potential for Growth: Cash value linked to market performance can yield higher returns.
Adjustable: Customize your policy to fit changing needs.
Ideal For: Dynamic professionals who want flexible coverage and are interested in potentially higher returns on their cash value. Ideal if you’re looking for a mix of insurance protection and investment opportunities.
Term Life Insurance with Return of Premium (ROP)
What It Is: This policy combines traditional term coverage with a twist—if you outlive the term, you get all your premiums back.Benefits:
Get Your Money Back: If you don’t need to make a claim, you receive your premiums in full.
Protection + Savings: Enjoy both coverage and a return on investment.
Predictable Costs: Premiums are typically fixed.
Ideal For: Budget-conscious individuals who want the security of term life insurance but also want the assurance of getting their money back if they outlive the policy. Great for those who plan ahead and value both protection and financial returns.
Term Life Insurance
What It Is: Term Life Insurance offers coverage for a specific period, like 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive a payout.Benefits:
Affordable Premiums: Get high coverage at a lower cost.
Flexibility: Choose a term length that fits your needs.
Simple: Easy to understand and straightforward.
Ideal For: Young professionals or families who need substantial coverage on a budget. Perfect if you’re looking to cover temporary financial responsibilities, like a mortgage or education costs.
Whole Life Insurance
What It Is: Whole Life Insurance provides lifetime coverage with fixed premiums. It also builds cash value over time that you can borrow against or use in retirement.Benefits:
Lifetime Coverage: Coverage that never expires as long as premiums are paid.
Cash Value: Accumulate savings that grow over time.
Stable Premiums: Predictable monthly payments.
Ideal For: Individuals seeking long-term financial security, including those who want to leave a legacy or need a reliable investment component. Ideal for those with lifelong dependents or looking for a steady way to build wealth.
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How We Show and Prove
Personalized Connections
We understand insurance can be complex. That's why we take the time to know you, your lifestyle, and your needs. Instead of just sending quotes, we engage in meaningful conversations to understand your goals and concerns, aiming to build long-term relationships based on trust and transparency.
Tailored Policies
We tailor policies to your needs, whether you're a young professional, growing family, or planning for retirement. Our experienced brokers offer clear advice, guiding you through the insurance landscape to help you make informed decisions.
Ongoing Support
We’re here for policy reviews, coverage adjustments, or claims assistance. Your peace of mind is our priority. We’re not just brokers; we’re partners in securing your future. Our holistic approach ensures your well-being and long-term security. Experience the difference of a team that genuinely cares about you.
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Frequently Asked Questions About Life Insurance
Please contact us if you cannot find an answer to your question.
How much life insurance do I really need?
The amount of life insurance you need depends on your personal circumstances, including your income, debts, and family’s future needs. A good rule of thumb is to aim for 7-10 times your annual salary, but we can tailor the coverage to fit your specific situation.
What’s the difference between TERM and WHOLE LIFE insurance?
Term life insurance covers you for a set period, like 10, 20, or 30 years, and is generally more affordable. Whole life insurance, on the other hand, provides lifelong coverage and builds cash value over time. The right choice depends on your needs and goals.
Can I have more than one life insurance policy?
Yes, you can have multiple life insurance policies to cover different needs. For example, you might have a term policy for mortgage protection and a whole life policy for long-term savings or legacy planning.