McAfee InsuranceOur Promise

As an independent insurance agency, we work for you - not the insurance companies. Since we represent more than one insurance company we can offer you a wider selection of coverage options that fit your lifestyle and budget.

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Common Types of Coverage

    We can help you plan for your family’s future financial security. A Germania Life insurance policy offers a wide range of insurance products that can be tailored specifically to you and your family’s needs.


  • Whole Life Insurance Whole life insures you for your whole life and pays a cash benefit to your designated beneficiaries. Most of our whole life plans are available from birth to a maximum age of 85.

    One advantage of whole life coverage is that it gains cash value that accumulates on an annual basis. This cash value is available to the policyholder for a loan on the policy or if the policy is surrendered. Policy loans are currently available at 10% interest.
  • Term Life Insurance Protect your loved ones from financial burden. The stress of financial burdens can be eased with a term product.

    Term Life policies provide greater coverage for a smaller premium and they insure you for a specific time. Term policies are great for debt or mortgage protection. 5-Year Renewable and Convertible Term.

Frequently asked questions

Everyone can benefit from a life insurance policy. Life insurance policies help pay for expenses that remain after a death. Almost everyone will acquire some type of medical expenses upon death. The same applies to funeral expenses.

Beneficiaries are not always family, spouses, or children, so these life insurance policies do not exclude single individuals. You may choose whomever you want to entrust with your life insurance benefit to help pay for expenses and obligations after you are gone.
Death can come at any time. Purchasing life insurance as soon as you are able is the best time to do so. Many people find reasons to put off purchasing life insurance, believing that there is always more time to pick up a policy. That time is not always there.
Gather all of your financial information and begin sorting through what expenses may remain once you are gone. For those who do not have family or dependents to care for, an insurance policy that covers the funeral expenses is adequate. For those with family and dependents, it is important to calculate all of the expenses that you will be leaving behind and the expenses of your dependents.
Whole life insures you for your whole life and pays a cash benefit to your designated beneficiaries.Most of our whole life plans are available from birth to a maximum age of 85. One advantage of whole life coverage is that it gains cash value that accumulates on an annual basis. This cash value is available to the policyholder for a loan on the policy or if the policy is surrendered. Policy loans are currently available at 10% interest.

Term Life policies provide greater coverage for a smaller premium and they insure you for a specific time. Term policies are great for debt or mortgage protection. 5-Year Renewable and Convertible Term policies include:
Five-Year initial insurance period, the policy is renewable and convertible
Guaranteed level death benefit
Guaranteed renewable every five years to age 65
Guaranteed convertible to whole life until age 60
Simplified underwriting application
Usually no paramedical exam required