Protecting what’s important
ONE Life Insurance
Reliable Insurance for Any Purpose
What is Life Insurance?
Life Insurance is your last love letter to your family. It allows individuals and businesses to recover and provide financial from the loss of the insured. Different types of life insurance are available to meet the needs for people depending on their financial goals and needs. Review the different types carefully to ensure the type of policy captures your needs.
How can you determine how much life insurance is needed?
Use the DIME method:
- Debt
- Income
- Mortgage
- Education Expenses
Add each up, allow for inflation in your math and this will determine how much insurance is needed. Another consideration is the number of years you believe your beneficiary/dependents would need financial support.
Our Products/Services
- Term Insurance
- Permanent Life (Whole/Indexed Universal)
- Keyman/Keyperson
- Fixed/Indexed Annuities
- Guaranteed Issued (No Medical)
- Pre Burial
- Value Add: Legal Shield
What We Offer:
Term
Premiums are least expensive vs permanent life insurance.
Permanent
This type provides protection for the insured while building cash value.
Keyman/ Keyperson
This type provides protection for critical individuals within a business.
Fixed/ Indexed Annunities
An insurance contract that provides you with income in retirement.
Guaranteed Issued (No Medical)
As the name implies, this policy is guaranted to be issued regardless of your health.
Preburial
Provides a way for people to pay for their funeral arrangements before they pass.
Types of Insurance
Term
Purest and simplest type of life insurance. Premiums are least expensive vs permanent life insurance. This type of insurance has no cash value. It is available in terms of years, depending on the carrier can be as minimum of 1, 5, 10, 15, 20-35 years. Premium remains same throughout term of policy. At the end of the term, depending on the carrier you may renew for additional term years.
Permanent Life Insurance
This type provides protection for the insured while building cash value. There are different types of permanent life insurance products: Whole Life, Indexed/Universal Life, Variable Life. Each of these allows accumulation of cash value that can be used as a living benefit or will be paid upon death of the insured along with the death benefit. Premiums for these types of insurance are typically more expensive than term insurance but allows for cash value growth.
Our Objective
Properly protect as many individuals as possible, families and business owners.
Our goal is to financially guard against unexpected passing away. Life Insurance can provide financial security to a spouse, children, or family members. It can help pay off mortgage, debt, college tuition, help fund a business or help with retirement.
ONE Life Insurance Agency LLC was formed and created in June 2021. It is solely owned by Ebony M. Smith. Ebony has over 15 years in the insurance industry, but specifically three years in life insurance.
The name ONE Life Insurance can be understood by anyone living being having only one life, so it would be wise to ensure it is properly protected. But the name ONE is a combination of Ebony and her son’s name. Omari, Nasir, and Ebony, thus creating the name ONE.
Get Started
Fill out the form below to get started with discussing how we can help you with your insurance needs.