Explore Our Insurance Products
At Opulence Insurance & Annuities, Inc., we offer a wide range of insurance products from a various insurance carriers to meet your unique needs. From comprehensive home and auto coverage to specialized business, life insurance and annuities, our policies are designed to provide you with peace of mind and financial security. Whether you’re looking to protect your family, your property, or your business, we have the right solution for you. Discover our diverse insurance offerings and request a quote today to find the perfect coverage tailored to your needs.
Term Life
Insurance that covers a particular time term, usually 10, 20, or 30 years, and offers financial protection to beneficiaries if the insured dies during that time. Unlike whole life insurance, it does not develop cash value and is frequently less expensive, making it a popular alternative for consumers wanting short-term coverage for major life events such as paying off a mortgage or supporting dependents. When the term expires, the policyholder has the option to renew it, convert it to a permanent policy, or let it lapse. time life insurance provides flexibility and peace of mind by insuring loved ones’ financial security for the designated time.
Whole Life
A form of insurance that provides lifelong coverage, ensuring that beneficiaries get a death benefit payout when the insured dies. It also builds cash value over time, which can then be borrowed or withdrawn for a variety of purposes. Premiums are often consistent throughout the policyholder’s life, providing stability and predictability in financial planning. Whole life plans offer both protection and financial opportunities for the insured and their loved ones.”
Group Life
Group Life Insurance is a type of coverage provided by an employer or organization to its members or workers that pays a death benefit to beneficiaries in the event of the insured’s death. It is frequently provided as a benefit with no medical underwriting requirements, making it available to a wide number of people. Premiums are often lower than for individual plans due to the group’s size and shared risk. Group life insurance gives financial stability and peace of mind to employees, members, and their families.
Fixed Annuities
Annuities are financial products that provide a guaranteed stream of income for a set amount of time or for the rest of one’s life in exchange for a lump sum or regular payments. They provide a set interest rate, which ensures consistent profits and protects against market volatility. Unlike variable annuities, the principal investment and interest rate are not dependent on the success of the underlying investments, providing security and predictability. Fixed annuities are a popular retirement planning tool because they provide a consistent stream of income during retirement.
Universal Life
This form of insurance is a versatile type of permanent life insurance that includes both a death benefit and a cash value. Policyholders can alter their premiums and death benefits, giving them the freedom to respond to changing financial circumstances. The cash value receives interest based on current market rates, which may increase over time. Universal life insurance provides both protection and investment opportunities, including lifelong coverage and possible wealth building.
Health Insurance
Health insurance is a type of coverage that helps individuals pay for medical expenses, including doctor visits, prescriptions, and hospital stays. Policies may vary in terms of coverage limits, deductibles, and networks of healthcare providers. The goal of health insurance is to alleviate the financial burden of unexpected medical costs and promote access to necessary healthcare services.
Group Insurance
Group Insurance is a type of insurance offered by a company or organization to a group of people, such as employees or members. It frequently covers a variety of insurance options, such as health, life, and disability, at a reduced charge due to the group’s size. Group insurance plans often have little or no medical underwriting, making them available to a diverse variety of participants. Individuals and their families benefit from group insurance because it pools risk among members.
Disability Insurance
Disability Insurance is a sort of coverage that offers financial support if a person is unable to work due to a disabling disease or injury. It provides regular income transfers to replace lost wages throughout the disability period, usually as a proportion of the individual’s pre-disability salary. Policies differ in terms of waiting periods, benefit lengths, and coverage limits, allowing individuals to tailor coverage to their personal needs. Disability insurance provides financial stability and peace of mind during difficult times.
Long-Term Care
Long-term care insurance helps cover the costs associated with a variety of services designed to meet an individual’s health or personal care needs over an extended period, typically due to aging, chronic illness, or disability. These services can include assistance with activities of daily living, such as bathing, dressing, and medication management, and are provided in various settings such as nursing homes, assisted living facilities, or at home.
Auto Insurance
Protect your journey with comprehensive automobile insurance. At Opulence Insurance & Annuities, Inc., we offer tailored coverage options designed to fit your lifestyle and needs. Whether you’re commuting to work, running errands, or embarking on a road trip, our policies provide peace of mind and financial protection.
Homeowners’/Renters’ Insurance
Whether you own it or rent it protect your sanctuary with comprehensive home insurance. We understand that your home is more than just a place to live—it’s where you create lasting memories and feel most secure. Home insurance policies are designed to provide peace of mind by safeguarding your property and possessions against unexpected events.
Business/Commercial Insurance
Safeguard your enterprise with comprehensive business insurance solutions. At Opulence Insurance & Annuities, Inc., we recognize the unique challenges and risks that businesses face. Our tailored insurance policies are designed to protect your business assets, employees, and operations, allowing you to focus on growth and success.
Pet Insurance
Protect your furry family members with comprehensive pet insurance. From routine checkups to unexpected emergencies, our plans offer coverage for veterinary care, medications, surgeries, and more. Keep your pets happy and healthy without the worry of high medical bills.
Identity Theft & Fraud Protection
Protect your personal information and financial well-being with comprehensive Identity Theft & Fraud Protection. Coverage offers 24/7 monitoring, alerts for suspicious activity, and expert assistance to restore your identity if it’s ever compromised. Stay one step ahead of threats and safeguard your peace of mind.
Supplemental Insurance
Supplemental Insurance provides additional coverage to help with expenses not covered by your primary insurance. These plans offer benefits for unexpected costs related to accidents, critical illnesses, hospital stays, and more.
Final Expense Insurance
Final Expense Insurance, also known as Burial Insurance, is designed to cover end-of-life expenses such as funeral costs, burial fees, medical bills, or other outstanding debts.
Excess & Surplus Lines
When traditional insurance markets can’t meet your needs, Excess and Surplus (E&S) Lines provide coverage for unique, high-risk, or hard-to-place situations. E&S insurance offers flexible solutions for businesses and individuals facing non-standard risks, including complex industries, emerging businesses, unusual property types, or claims loss history.
Surety Bonds
Surety bonds are essential financial tools designed to guarantee the performance, obligations, or compliance of an individual or business. Whether you need a surety bond for compliance, a construction project, or business protection, we are here to help. Contact us today to learn more or request a quote.
Additional Products
In addition to our featured insurance products, we offer a full range of insurance solutions tailored to meet the varied needs of our clients. Our commitment is to help you find the right coverage to protect what matters most, from your future to your assets. With our team by your side, you can feel confident that each aspect of your life is well-protected, whether it’s for planning ahead, securing investments, or preparing for the unexpected.
Please explore our offerings below, and don’t hesitate to reach out with any questions. We’re here to ensure that your experience is seamless and that you receive solutions that are both personalized and dependable.