SERENITY IS ON US.
Reliable, Affordable Life Insurance & Mortgage Protection. Leave Your Worries to Us
Why Choose Safe Home Coverage?
Insurance might cost you less than you think. Coverage shouldn't make a hole in your budget.
Only pay for what you need. Our policies are tailored to fit your specific needs.
Use your benefits right away following approval. Take advantage of your coverage with click.
Because you experience unique moments, we support you in all situations.
Our insurance plans are designed to ensure that individuals and families have access to financial security in times of health crises. We understand that navigating insurance can be complex, which is why we offer personalized support and a range of options that cater to various budgets and coverage requirements.
We also provide mortgage protection insurance as a vital safety net for homeowners, ensuring that their loved ones can maintain their home in the event of unforeseen circumstances such as illness or death.
Our Services
Mortgage Protection
Affordable insurance designed to secure your home, ensuring financial stability for your loved ones in unexpected situations.
Life Insurance
Comprehensive final expense insurance solutions, guaranteed issue options, and expert guidance for your peace of mind.
Living Benefits
These benefits can provide financial support for medical expenses, long-term care, or other costs associated with health issues.
Frequently Asked Questions
Health insurance and life insurance serve different purposes and cover different types of risks.
Health insurance is designed to cover medical expenses incurred by the insured. This includes costs related to doctor visits, hospital stays, surgeries, preventive care, and prescription medications.
On the other hand, life insurance provides financial protection for your beneficiaries in the event of your death. It pays out a predetermined sum of money (the death benefit) to your designated beneficiaries upon your passing.
Evaluate Your Financial Obligations: Start by listing all outstanding debts such as mortgages, car loans, credit card debt, and any other liabilities that would need to be paid off.
Consider Future Expenses: Think about future expenses that may arise after your death. This could include college tuition for children or ongoing living expenses for your spouse or dependents.
Assess Income Replacement Needs: Calculate how much income you would need to replace if you were no longer there to provide for your family. A common rule is to multiply your annual salary by a factor ranging from 5 to 10 years depending on individual circumstances.
Account for Existing Savings and Assets: Consider any savings accounts, investments, or existing life insurance policies that could contribute towards covering these obligations.
Age: Generally, older individuals tend to have higher premiums because they are more likely to require medical care compared to younger individuals.
Location: Premiums can vary significantly based on where you live due to differences in healthcare costs in different regions as well as state regulations affecting insurers.
Tobacco Use: Smokers typically face higher premiums than non-smokers due to increased health risks associated with tobacco use.
Plan Type: The type of plan you choose can also influence costs due to differences in provider networks and coverage options.
Coverage Level: Plans with lower deductibles or broader coverage will generally have higher premiums compared to those with higher deductibles or limited benefits.
Health Status: Insurers may consider pre-existing conditions when determining rates; however, under the Affordable Care Act (ACA), insurers cannot deny coverage based on health status but may still charge higher premiums based on age or tobacco use.
Testimonials
Don’t take our word for it, hear what our happy clients have to say
Bryan M.
CEO, Unipie
Lea D.
CEO, Unipie
Are you ready to protect yourself and your loved ones?