Protect Your Future with Reliable Life Insurance Options
Unlock peace of mind with Life Insurance—where securing your family’s future is simple, affordable, and flexible. Discover your perfect plan today!
Our Mission
At SURGE FINANCIAL, we believe that true financial security starts with peace of mind.
That’s why we are committed to protecting what matters most—your family, your future, and your financial well-being. We offer
comprehensive life insurance solutions
that are custom-tailored to your unique needs, ensuring that you and your loved ones are covered no matter what life throws your way.
Coverage
Crafting extraordinary events tailored to your unique vision.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Testimonials
Joya Lopez
I never thought much about life insurance until a close friend had a financial crisis after losing a loved one. That’s when I decided to secure my family’s future. The process was simple, and now I have peace of mind knowing that if anything happens to me, my family won’t struggle financially. It’s one of the best decisions I’ve made!
Sophia Rudd
I always believed life insurance was just for when you pass away. But after learning about policies that offer living benefits, I realized how powerful it could be! Now, I have coverage that not only protects my family but also allows me to access cash while I'm still alive. It’s like having a financial safety net for emergencies. I wish I had done this sooner!
Alex Ibarra
As a business owner, I wanted to ensure my family and company would be financially secure if anything ever happened to me. Getting life insurance was a game-changer. It gives me confidence knowing my loved ones and business partners won’t be left with financial burdens. If you’re on the fence, don’t wait—protect what matters most!
Frequently Asked Questions
Common Questions Answered for your convenience.
What is life insurance and how does it work?
Life insurance is a financial protection plan that provides a tax-free payout to your beneficiaries when you pass away. In exchange for regular premium payments, your loved ones receive a lump sum (death benefit) to cover expenses like debts, mortgage, income replacement, and future financial needs. Some policies also offer living benefits, allowing you to access funds while you’re still alive.
How much life insurance coverage do I need?
The amount of life insurance you need depends on your income, debts, and future expenses. A good rule of thumb is 10-15 times your annual income to cover financial needs like mortgage, college tuition, and daily living expenses.
What happens if I stop paying my premiums?
If you stop paying premiums, term life insurance will lapse, ending coverage. Permanent life insurance may stay active using its cash value, but will lapse once depleted. If you're struggling to pay, contact your provider for options!
What’s the difference between term and permanent life insurance?
Term Life Insurance: Covers you for a set period (10, 20, or 30 years). It’s usually more affordable but expires if you outlive the term. Permanent Life Insurance (Whole & Indexed Universal Life - IUL): Provides lifelong coverage and builds cash value that can be used for retirement, emergencies, or investment opportunities.
Can I access my life insurance money while I’m still alive?
Yes! If you have cash value life insurance, you can borrow or withdraw from it. Some policies also offer living benefits for critical illness.
Is life insurance expensive?
Life insurance can be very affordable, depending on factors like your age, health, coverage amount, and policy type. Term life insurance is typically the most budget-friendly, while whole life insurance costs more but includes cash value.