Life, Mortgage Protection, Final Expense, Guarantee Issue Insurance

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Protect the People Who Matter Most

Life insurance is more than a policy — it is financial protection for the people you love. Whether you are protecting your family, covering major debts, preparing for retirement, or planning for final expenses, the right life insurance strategy can help provide peace of mind and long-term financial security.

Many people believe life insurance is something they can wait to purchase later in life, but the reality is that coverage is often more affordable when you are younger and healthier. Waiting too long can lead to higher premiums, health restrictions, or even denial of coverage altogether.

At ELDI Insurance and Financial Group, we help individuals and families explore life insurance options designed around their needs, goals, and budget. Our licensed brokers take the time to explain your choices clearly so you can make informed decisions with confidence.

Why Life Insurance Matters

Life insurance can help protect your loved ones from financial hardship by providing money that may help:

  • Replace lost household income
  • Pay off a mortgage or major debts
  • Cover funeral and final expenses
  • Help provide for children or dependents
  • Maintain financial stability during difficult times
  • Protect family assets and savings
  • Leave a financial legacy for future generations

Life insurance can also play an important role in long-term financial and retirement planning depending on the type of policy selected.

Our Products

Whole Life Insurance

  • Designed to cover final expenes
    • Funeral, debt, etc
  • Gains cash value to borrow against
  • Good to age 100 with premiums paid
  • General Amounts 20,000 – 40,000
  • Considered an asset

Term Life Insurance

  • Buy up to 40 years
  • No cash value
  • Can be converted to whole life
  • General Amounts 10,000 – millions
  • Used to pay expenses, gift money, etc
  • After term, no money is paid

Child Life Insurance

  • 14 days to 14 years old
  • Protects to age 100
  • Benefits up to 50,000
  • Benefits double at 18
  • Low fixed premium
  • Gains cash value

Final Expense

  • Must be 55 or older
  • Increments of $5000
  • Good to age 100
  • Guarantee Issue
  • Used for funeral expenses

Guarantee Issue

  • Good for people with health issues
  • Guaranteed issue regardless
  • Higher premiums
  • Up to 40,000.00
  • Premium based on age

Index Universal Life

  • Whole life insurance
  • Gains cash value
  • Tied to index market values
  • Flexible premiums & options
  • Good to age 100

Disability Insurance

  • Full and Partial Disability Options
  • Pays 60% of your wages
  • Partial – out less than a year
  • Full – out 12 months or more
  • 30 to 90 days waiting period

Mortgage Protection

  • Lasts up to 30 years
  • Covers mortgage amount owed
  • Beneficiary gets the benefit not the bank
  • Does not protect against default

Request Your Life Insurance Consultation

Protect your family, your future, and the people who depend on you. Speak with a licensed broker today to review your options and receive personalized life insurance recommendations designed around your needs and budget.


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Congress Rejects ACA Tax Subsidy Extentions

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For several weeks all eyes were on Congress as America waited the vote to extend the ACA Tax Subsidy extensions that would greatly impact those on Obamacare and those who purchased their insurance through the marketplace.  On Wednesday America learned that Congress voted party lines.  The Democrats voted against the Republican's version and the Republicans voted against the Democrats version of the tax incentive.