Life insurance products we offer
BLD Insurance Agency is independent, which means we compare policies from many top-rated carriers to find the coverage that fits you best.
Term Life Insurance
Level premiums for 10, 15, 20, or 30 years. The most affordable way to lock in a large death benefit during your working years.
- Income replacement
- Mortgage protection
- Convertible to permanent coverage
Whole Life Insurance
Permanent coverage with fixed premiums and guaranteed cash value accumulation. Coverage never expires as long as premiums are paid.
- Lifetime protection
- Tax-deferred cash value
- Fixed premiums
Universal Life
Permanent coverage with flexible premiums and adjustable death benefits. Cash value grows based on interest crediting.
- Flexible premiums
- Adjustable coverage
- Cash value growth
Index Universal Life
Permanent coverage with cash value growth linked to a market index like the S&P 500. Offers upside potential while protecting against direct market loss.
- Index-linked growth potential
- Downside protection
- Flexible premiums and death benefit
Final Expense
Simplified-issue whole life designed to cover end-of-life costs. Easier qualification, smaller face amounts, quick approval.
- No medical exam options
- Coverage typically $5k–$40k
- Fast underwriting
Not sure what you need?
Barbara will review your goals, budget, and family situation, then walk you through the options — with no obligation.