Life Insurance
Life insurance helps protect the people and plans that matter most. It can replace income, retire debt, cover final expenses, fund education, support charitable gifts, and provide estate liquidity. For business owners, it can fund buy-sell agreements and help protect key employees so the company stays steady through change.
At Matador, licensed advisors compare term and permanent options from top-rated carriers, explain costs, riders, and underwriting clearly, and align coverage with your goals and budget. You start with a short consultation, move through discovery and strategy, and review each year so your policy keeps pace with life.
Life Insurance Options That Fit Your Plan
We help you choose coverage that fits your goals and budget, then keep it on track through annual reviews. Our advisors outline costs, riders, underwriting, and carrier differences in straightforward terms so you can make confident decisions.
Final Expense Insurance
Designed to cover immediate costs after a death, such as funeral services, burial or cremation, and final medical bills. Policies are typically smaller, often with simplified underwriting so many applicants can qualify quickly. This helps families handle expenses without tapping savings.
Indexed Universal Life Insurance
Permanent coverage with a flexible premium and a cash value component that credits interest based on an external index under contract rules such as caps, participation rates, and floors. Principal in the policy’s cash value is not invested directly in the market.
Key Person Insurance
A business-owned policy that pays the company if a key owner or employee dies, helping replace lost revenue, cover hiring and training costs, or reassure lenders and partners. It is a practical way to protect operations and preserve continuity during a difficult transition.
Life Insurance Retirement Plans
A permanent policy structured for long-term coverage and tax-advantaged access to cash value. When funded and managed properly, owners can supplement retirement income through withdrawals to basis and policy loans while keeping protection in place. Suitability and costs should be reviewed carefully.
Mortgage Protection Life Insurance
Coverage designed to help pay off a mortgage or make payments if the insured dies, and some versions include limited disability benefits. Often issued as term insurance aligned with the loan balance and years remaining, giving families added confidence that the home can stay in the picture.
Term Life Insurance
Straightforward, cost-effective coverage for a set period, such as 10, 20, or 30 years. If the insured dies during the term, beneficiaries receive the death benefit; otherwise the policy typically ends with no cash value. Many policies offer conversion to permanent coverage within set timeframes.
Universal Life Insurance
Permanent protection with flexible premiums and an adjustable death benefit. Cash value earns interest at rates declared by the insurer, which can change over time. Proper funding is important to keep the policy in force and maintain long-term guarantees where available.
Whole Life Insurance
Lifetime coverage with level premiums, guaranteed death benefit, and cash value that builds by contract. Some policies may pay dividends, which are not guaranteed and can be used to enhance values or reduce out-of-pocket premiums. Often used for legacy goals and long-range planning.
Premium Financing Life Insurance
A strategy for high net worth clients who borrow to fund large permanent policies while keeping personal capital at work. Loans are secured by the policy and additional collateral, and require a clear exit plan. We review interest costs, collateral needs, and long-term projections before moving forward.
Life Insurance Settlements
If a policy is no longer wanted or affordable, it may be sold to a third party for more than its cash surrender value. We help evaluate offers, assess tax and privacy considerations, and compare alternatives such as reducing coverage or adjusting premiums.
Buy-Sell Agreement Life Insurance
Coverage that funds a business ownership transfer if an owner dies. We help choose a structure, such as cross-purchase or entity purchase, align coverage with the valuation method, and coordinate beneficiary and ownership details so liquidity is available when it matters.
Executive Compensation Plans
Life insurance can support executive retention and reward strategies, including executive bonus plans under Section 162, split-dollar arrangements, and policies used to informally fund SERPs. We design options that balance benefits, costs, and administrative impact for the company and the executive.
Make Confident Coverage Decisions
In one focused call, we size your needs, explain underwriting and timelines, and review options from top-rated carriers. You get a practical path to protect income, debt, and legacy.