Secure
Your Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
Our Mission
At The Mertz Group, our mission is to provide peace of mind and financial security to families during one of life's most challenging times. We are dedicated to offering reliable, affordable, and compassionate final expense life insurance solutions that ensure every loved one is honored with dignity and respect. Our commitment is to ease the financial burden of end-of-life expenses, allowing families to focus on what truly matters — celebrating the legacy of their loved ones. We strive to serve with integrity, transparency, and unwavering support, fostering a sense of community and trust with every policy we issue.
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.
Frequently Asked Questions
Common Questions Answered for your convenience.
What’s the difference between term and permanent life insurance?
Term insurance generally has lower premiums than permanent policies. However, term life insurance does not build up cash value that you can use in the future. Term covers you – as the name suggests – for a term of one or more years. If you die within that term, death benefits are paid out. You can renew most term insurance policies for one or more terms, even if your health has changed, though premiums may be higher.
Permanent insurance policies remain in place as long as the premium is being paid. They also all have a cash value that increases over time and allows the policyholder to borrow against that cash value. Because of the savings element, the premiums for permanent insurance tend to be higher compared to term insurance premiums.
Isn’t my employer’s life insurance benefit enough?
Compare your life insurance coverage needs to what your employer offers. Chances are, the coverage amount you have through your employer may not be enough. Also take into account that unlike many employer plans, an individually owned Life Insurance Plan is yours to take with you even if you change jobs.
Can I be approved if I’m not in perfect health?
Although your health is a factor that many life insurance companies assess to determine what you will pay for coverage, it doesn’t always automatically disqualify you from getting life insurance. Medical Underwriting guidelines take into account many factors related to specific medical conditions. These factors include, but are not limited to, date of diagnosis, current treatment, prognosis, etc.
Do I really need life insurance?
A simple way to answer this is by asking: “Do I have anyone dependent on my salary to sustain their standard of living?” In other words, if you were to pass, would those still alive have issues covering the cost of your burial? Covering rent or mortgage payments and other bills? What about any remaining medical costs? Would they have enough money to cover those and still maintain their normal life? If the answer to any of these is “No, they wouldn’t,” then you should consider what life insurance options work best for you and your needs.
How long does it take to get approved?
Typically it is an immediate approval upon submission of application.
Can I select someone other than my spouse to receive the benefits after I am gone?
Yes, your beneficiary can be someone other than your spouse, as long as they have insurable interest. Insurable interest means the beneficiary would suffer a financial hardship or loss if you were to die (i.e. children and other blood or legal relatives, significant others, and business partners).