A+A.M. Best
IncomeSense through
Western & Southern Financial Group
Monthly
payout for your family.Coverage duration up to 30 years (not beyond age 65).
Monthly coverage up to $10,000 based on your age & policy term.
Issued through W&S a carrier with an A+ rating from A.M. Best
Know more 
IncomeSense is a decreasing insurance policy, designed to help your family by providing them with a monthly payout, rather than a lump sum amount at the end of the insurance term. It can be customized to your family’s financial needs and can be more affordable than traditional life insurance policies because you buy only as much coverage as you need. Help protect your family's future by setting them up with a monthly income source.
Why choose IncomeSense?
Monthly
payout for your family.Coverage duration up to 30 years (not beyond age 65).
Monthly coverage up to $10,000 based on your age & policy term.
Issued through W&S a carrier with an A+ rating from A.M. Best
Know more
IncomeSense is a decreasing insurance policy, designed to help your family by providing them with a monthly payout, rather than a lump sum amount at the end of the insurance term. It can be customized to your family’s financial needs and can be more affordable than traditional life insurance policies because you buy only as much coverage as you need. Help protect your family's future by setting them up with a monthly income source.
Age
35year-old
Term
30years
Payout
$2500/month
If you are 35 years of age and buy a 30-year policy (coverage till you’re 65), whereupon death, the payout comes out to $2,500 per month.
If you live five years longer, your family would receive the monthly payout of $2,500 per month for 25 years ($750,000 in total). Your beneficiary is guaranteed a minimum five-year payout.
Product highlights
Coverage duration up to 30 years (not beyond age 65)
Policy Available for people between the ages of 20 & 55
Monthly insurance premiums guaranteed to never increase
Guaranteed monthly payouts from $500 up to $10,000 so long as premiums are paid
Expert agents on standby to help you when you need them
Easy Online application will provide coverage upon approval and payment of premium
The benefits of
IncomeSense through W&S
Simple:
Answer just 8 questions to get your quote online
No need for medical exams if you're a healthy individual
Experts available to help you whenever you need them
Easy online application will provide coverage upon approval and payment of premium
Sensible:
Guaranteed monthly payouts for your family with rates never to increase so long as premiums are paid
Helps provide your family with a monthly income source after your passing
Issued through W&S a carrier with an A+ rating from A.M. Best
Customizable:
Policy is available for people between the ages of 20 & 55
Monthly coverage up to $10,000 based on your age & policy term
Coverage for up to 30 years (not beyond the age of 65)
FAQ
1. What is term life insurance?
Term life insurance ends after a certain period of time and you get to choose how long the term will last. It can typically last from 10 to 30 years. You can consider various factors to determine whether term life is a good fit for you – for example, income, mortgage payments, and monthly expenses.
2. What happens if I outlive my life insurance?
If your term policy expires and you still have loved ones depending on you, it's best to renew your policy. At this point you could add more coverage or alter your policy to fit your needs.
3. What's the best age to get life insurance?
The right age would depend on your financial position and commitments. However, the best age would be as young as you possibly can. Buying life insurance at a young age means you may not need a medical exam, you can lock in your health rating, and it's one financial goal you can check off your list quite early.
4. Under what circumstances can I ignore life insurance?
You should not ignore buying life insurance. Even if you think you're too young or have a lot saved, life insurance can help you protect your family's financial future because anything can happen. In fact, the earlier you get life insurance the more likely you are to generally lock in a lower premium and a good health rating for decades.
5. Can I cancel my life insurance policy?
Sure, you can. Much like most other contracts, a life insurance policy also expires. You can then chose to reapply or not keeping in mind your financial goals and commitments. Fees may apply for the early cancellation of certain policies.
6. Why do I need life insurance when I'm healthy?
Life insurance is to help protect your loved ones in the event of unforeseen circumstances. Life insurance can help assure you that your loved ones are taken care of.
