Expert Life Insurance Guidance for Every Stage of Life
Protect What Matters Most
with Affordable Life Insurance Built Around You
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Life Insurance Matters - At Every Stage of Life
Life insurance isn’t just for parents or older adults. It’s for anyone who wants to make sure the people they love are financially protected - no matter what the future brings.
At SBAIP, we make life insurance simple, affordable, and tailored to your unique situation.
Whether you’re:
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In your 20s, just starting your financial journey
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In your 40s, building a future for your children
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In your 60s, planning your legacy
We help you find the right coverage for your goals, your income, and your peace of mind — without any pressure to buy.
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Why Get Life Insurance Now?
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Protect your family from unexpected loss of income
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Lock in lower rates while you're younger and healthier
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Pay off debts, mortgages, or final expenses
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Leave behind a legacy for your loved ones
You’re Not Alone - We’re Here to Help You Choose Confidently
We’re not here to sell you a policy. We’re here to guide you toward the right decision - one that fits your life and future.
Always Remember: Your Life Insurance Coverage may not be enough but will never be too much!
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Real People, Real Support
🗣️ Lawrence L. – Weston, FL
Age: 42 | Father of 3 | Coverage: $1,100,000 | Monthly Premium: $167
"As a father of three, I needed to make sure my family would be protected no matter what. I had no idea I could get over a million dollars in life insurance coverage for less than $170 a month. The process was simple, fast, and gave me peace of mind. Now I can focus on my kids' future knowing they're covered."
🗣️ Aschneidhi C. – Brooklyn, NY
Age: 23 | Single | Coverage: $500,000 | Monthly Premium: $50
"At 23, I never really thought about life insurance — but learning I could lock in half a million dollars in coverage for just $50 a month changed my perspective. It’s not just about now; it’s about protecting the future. This was one of the smartest financial decisions I’ve made."
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Power Term
Power Term is built for convenience and with industry-leading technologies that are designed to permit an underwriting decision within minutes of submission of an electronic life application. Power Term creates the best client experience at more competitive rates. * Not available in New York.
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Precision Term
PrecisionTerm is built for competition and is designed for clients purchasing higher face amounts and who are willing to complete a paramedical exam if necessary. Our new approach to underwriting and our precision pricing methodology provides clients with our most competitive prices. * Not available in New York.
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Custom Exchange
What is the “End Of Term” Program?
Life Insurance Company products are designed to protect you for specific time periods such as 10, 15, 20, 25, 30, and 35 years. At the end of each period or “duration”, coverage typically continues or “renews” at the insured’s current or “attained” age. As a result, the client’s premiums increase because premiums are now charged based on the insured’s attained age. This policy event is referred to as reaching the End of Term.
In order to better support you during this process, we generate an EOT Option Package that will provide you the information for your approaching an End of Term decision.
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Riders
A rider is optional coverage attached to a base insurance policy, offering extra coverage or different types of plans. Riders can be added at policy issuance or later. Common riders include the Disability Waiver of Premium, Terminal Illness Benefit, and Increasing Benefit Rider.
The Child Rider provides coverage for all dependent children of the primary insured and spouse, covering ages 15 days to 25 years. It guarantees children the option to obtain insurance as adults, regardless of health, at non-tobacco or tobacco rates. At age 25, the rider can be converted to any available insurance plan.
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