You need to be confident about the person who helps you. Make sure you know THEY ARE LEGIT by checking their license status and Business reviews. Make sure they are the same from one social platform to the next, and that they have multiple carriers.

FREE QUALIFICATION ANALYSIS

Not Everybody Qualifies For Everything.

Your AGE, Your HEALTH, Your LIFESTYLE

all play a role in which type of coverage

and which carrier will suit your needs best

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Get Quotes and Apply in Minutes

This carrier and product are for the young and healthy its a basic term product with some value added features, it does require fairly good health and to be under 50 to qualify for up to $1 Million

GET COVERAGE IN MINUTES (NO MEDICAL EXAM REQUIRED SIMPLE ONLINE APPLICATION)

FREE LIFE INSURANCE BUYERS GUIDE

Most states have their own versions that may be specific in some ways this is Generalized and applies in every state

get wise (buyer's guide)

TERM vs. UNIVERSAL vs. WHOLE LIFE

What they all have in common is they pay out TAX FREE, rates are based on AGE, HEALTH, BENEFITS!

LEARN MORE ABOUT TYPES OF INSURANCE

Mortgage Protection Insurance

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Most households rely on two incomes to afford their mortgage. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price to insure if you don't make it home tomorrow, your family will not face a foreclosure and we can help them protect the equity built into the home you worked so hard to make your own.

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Debt Free Life Program

Want to get out of debt including your mortgage in 3-8 years and NOT pay anything extra each month? Over 63% of Americans live pay check to pay check and are in debt that they can't find their way out of. With rising inflation debt free life plans are the solution!

We have a plan that offers just that. You won't pay anything more than you already pay each month but it will pair you with one of licensed debt free life agents to help you climb out of debt in no time so you can put those funds towards building your retirement or other investments.

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First Responders Life Insurance Coverage

Yes, we love FIRST RESPONDERS; however, we provide coverage to EVERYONE WHO CAN QUALIFY for one of our low cost plans!

SUPPLEMENTAL PLANS FOR RETIREMENT

We can help bridge the RETIREMENT GAP

Although most teachers can participate in their State Teacher Retirement System (STRS), it may not be enough for retirement. Not only teachers will experience a GAP at retirement. To learn about your RETIREMENT GAP, contact us for a Free No Obligation FNA (financial needs analysis).

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How can I Qualify?

The process is actually more simple than you think; because we are independent, our rates and plans are less costly than the larger insurance carriers.

Benefits of shopping With Us:

✅ No Medical Exams Required

✅ Approvals Can Be Done Same Day, In Minutes

✅ Tobacco Users Can Be Accepted

✅ Affordable Low-Cost Premiums That can Fit ANY Budget

✅Have health concerns? That's ok; we have several carriers who accept health concerns. Your family deserves coverage as well!

✅ 1 ON 1 Consultation With an Licensed SME (Subject Matter Expert)

TERM vs. UNIVERSAL vs. WHOLE LIFE

TERM LIFE INSURANCE

Term life insurance is a type of life insurance policy that provides coverage for a specified period of time, typically ranging from one to thirty years. During this period, if the policyholder passes away, the insurance company pays out a death benefit to the beneficiary, which is typically a spouse, child, or other family member. One of the benefits of term life insurance is that it is generally less expensive than other types of life insurance, such as permanent life insurance. This is because it provides coverage for a limited period of time, rather than for the entire duration of your life. Another advantage of term life insurance is that it is typically easier to understand and purchase than other types of life insurance. You can choose the length of the term that best fits your needs and budget, and you pay a fixed premium throughout the term. However, it's important to remember that term life insurance only provides coverage for the specified term. If the policyholder outlives the term, the policy expires and there is no payout. Some policies may allow for renewal at the end of the term, but the premiums may increase. I hope that helps explain term life insurance to you. If you have any further questions, feel free to ask.

WHOLE LIFE INSURANCE

Whole life insurance is a type of life insurance policy that provides coverage for the entire duration of your life, as long as you continue to pay the premiums. It's different from term life insurance, which only provides coverage for a specified period of time. One of the benefits of whole life insurance is that it includes a savings component, known as cash value. This means that a portion of your premium payments goes toward building up a cash value within the policy, which can be borrowed against or used to pay premiums in the future. Another advantage of whole life insurance is that the premiums are typically fixed for the life of the policy. This means that you won't have to worry about your premium increasing as you age or if you develop health issues. However, whole life insurance tends to be more expensive than term life insurance due to its lifelong coverage and cash value component. It may also be more complex and require more attention to detail when purchasing. Common riders for whole life insurance policies include accelerated death benefit, accidental death benefit, and long-term care rider. I hope that gives you a good understanding of whole life insurance. Let me know if you have any other questions.

UNIVERSAL LIFE INSURANCE

Universal life insurance is another type of life insurance policy that provides coverage for the duration of your life. It's similar to whole life insurance in that it includes a savings component, but it's more flexible in terms of premiums and death benefits. With universal life insurance, you have the ability to adjust your premiums and death benefits over time, which can be useful if your financial situation changes. The savings component, known as the cash value, can also be used to pay premiums or taken out as a loan. However, universal life insurance can be more complex and require more attention to detail when purchasing. It may also be subject to interest rate fluctuations, which can affect the cash value. Common riders for universal life insurance policies include long-term care rider, accidental death benefit, and waiver of monthly deduction for disability. In summary, universal life insurance provides coverage for your entire life and is flexible in terms of premiums and death benefits. Common riders include long-term care rider, accidental death benefit, and waiver of monthly deduction for disability.

All about

SHONDA CRAWFORD

Welcome to Crawford Insurance Consulting Group. We’re so glad you stopped by.

Just a little about me…

I am Shonda Raquel Crawford. I have one daughter, Madyson Nicole. She is in her first year of college and has been an entrepreneur since childhood! Also sharing our home, is my extremely handsome nephew, Josiah. He is in his 2nd year of college. I couldn’t be more proud of either of them! I am an Indiana native with a B.S. in Business from Indiana University’s Kelly School of Business, where I double majored in Business Management and Human Resources Management. Also, I obtained my MaT (Masters in Teaching) from the formerly named, Armstrong State University and is now Georgia Southern University. Lastly, I hold both Life Insurance license and a Health and Accident license; I am appointed in several (more than 10) states.

In my working career, I have worn many hats and I’ve always had a servant’s heart; I found serving our youth as a teacher of Special Populations extremely rewarding. However, after finding myself on the heels of a divorce and in a new role as a single mother and guardian of my my then teenage nephew, the teacher’s salary alone wasn’t going to “cut it”! Therefore, I turned to financial services; where I can truly say, I have found my niche, helping families protect their assets and secure their loved ones' futures.

Here at Crawford Insurance Consulting Group, we are passionate about protecting families and building leaders who soar to great heights!

Please, check us out and don’t forget to schedule your free consultation.

Protect Your Future: Why You Need Personal Life Insurance

Many people rely on the life insurance provided by their employer, believing it’s enough to protect their loved ones. However, there’s a crucial detail often overlooked: *your employer owns that policy, not you*. This means:

- *Limited Control*: Your coverage is tied to your job. If you leave or lose your job, your coverage ends.

- *Limited Coverage*: Employer-provided life insurance is often minimal and may not fully meet your family's needs.

- *Lack of Portability*: Even if your company offers the option to continue the policy, the cost can increase significantly when you're no longer employed there.

That’s why it’s essential to have your own life insurance policy—one that *you* own and control. With a personal policy:

- *You're in Control*: You choose the coverage that fits your needs, and it stays with you, no matter where you work.

- *Peace of Mind*: Knowing that your loved ones are protected, regardless of changes in your employment status.

Don’t leave your family’s future in someone else’s hands. Secure a life insurance policy that you own and control. *Let’s discuss your options today.*

Frequently Asked Questions

Please reach out to us if you cannot find an answer to your question.

Will I Need A Medical Exam?

No, we only work with A-Rated carriers who offer simplified underwriting. They will do a prescription check to help determine which tier you best fit into. Most of our carriers offer instant decisions that allow you to get quoted, enrolled and activated in less than 10 minutes with no waiting period.

Do I Need Coverage If I Have It Through My Employer?

More than not, the answer is Yes. Most group coverages through work you are not actually a policy holder but a certificate holder. Meaning, if you quit or lose your job you're losing your coverage as well. Example we just lost one our own earlier this year to Cancer. He held onto the job as long as he could but once he could no longer perform his duties he had to leave and he lost his benefits which means he also lost his life insurance and now he was in full blown Cancer treatments. Had he had this plan he instead would have received a check to cover half his policy to help him cover his medical bills as well as day to day expenses then after his passing his wife would have received the other 50% as his death benefit This is why you want your own plan that you own. We usually recommend that if you have coverage for free or discounted through work to consider that a perk at work and to still get your own policy outside of work in order to guarantee that benefit for your family.

I Have Major Medical Conditions Can I Still Get Coverage?

Yes, we work with several carriers who offer Guaranteed issue whole life plans up to $25,000 in coverage. Whether you just had a heart attack last week and realize life is happening or you are actively fighting cancer we can get you covered. $25,000 goes a long way in a time of need for your loved ones.

What is a ROP (Return of Premium ) Option?

A return of premium policy is a term policy that will return all or some of the premiums you paid throughout the term back to you at the end of the term. Some companies will even offer a conversion option with the policy which allows you to trade the return for a "paid up" whole life policy with a higher face amount than the return.

What Does Paid Up Mean?

"Paid Up" when referring to life insurance means that the premiums you have paid in have accumulated enough cash value to cover the cost of your policy for the rest of your life. Your policy will remain current but you will no longer have to pay premiums. This is a typical term you will hear with whole life policies.

Is Accidental Death Insurance a Waste?

No, Accidental death is still the 3rd cause of death in the US. Almost 201,000 people die yearly from accidental deaths. Medical errors officially the third leading cause of death in U.S., study finds. A new study published in The BMJ confirms that medical errors are the third leading cause of death in United States, behind only heart disease and cancer.

Can I Borrow or Take Money Out Of My Life Insurance Policy?

In some cases, yes. Depending on the type of life insurance policy and how it is used, permanent life insurance can be considered a financial asset because of its ability to build cash value or be converted into cash. Simply put, most permanent life insurance policies have the ability to build cash value over time

Is Life Insurance An Asset Class?

At the end of the day, life insurance is a unique asset class for its ability to bring cash into the financial equation of a family, business or charity at the time it's likely to be most needed – with the loss of income or resources that death usually brings.