Life Insurance Made Simple
Our team does the legwork to find the best life insurance for your needs — giving you time to enjoy what matters most.
Our Mission
At Lowthian Insurance, our mission is to provide reliable, affordable insurance and retirement solutions with a focus on simplicity and peace of mind. We’re dedicated to protecting what matters most to you and your family — making the process easy, so you can spend less time worrying and more time living life.
Life Insurance in 3 Easy Steps
Carriers
Reliable companies means reliable coverage.
Types of Life Insurance
Term life insurance provides affordable protection for a set period of time—typically 10, 20, or 30 years. It’s a great option for anyone who wants to make sure their family is financially secure during key stages of life, such as paying off a mortgage, raising children, or covering college costs. Because term policies usually cost less than permanent coverage, they’re ideal for those who need high levels of protection on a budget. And the best part? Many of our term life policies can later be converted into permanent coverage without any new medical exams—so your protection can grow with you, even if your health changes.
Whole life insurance offers permanent, lifelong protection—meaning your coverage will never expire as long as premiums are paid. In addition to providing a guaranteed death benefit, it also includes a cash value component that grows steadily over time. This cash value can be accessed later in life through policy loans or withdrawals to help supplement retirement income, cover unexpected expenses, or provide financial flexibility when you need it most. With Lowthian Insurance, your whole life policy is designed to give you long-term security, predictable growth, and lasting peace of mind.
An Indexed Universal Life (IUL) policy is a type of permanent life insurance that provides both life insurance protection and a way to grow cash value over time. Part of each premium you pay goes toward the death benefit, and part goes into a cash value account that can earn interest based on the performance of a market index, like the S&P 500. When the market goes up, your policy can earn interest (up to a cap), but when the market goes down, your account is protected by a 0% floor—so you never lose money due to market losses. The cash value grows tax-deferred, and you can access it later through tax-free loans or withdrawals for things like college costs, retirement, or emergencies.
Final expense insurance is designed to help your loved ones cover the costs associated with funeral and end-of-life expenses. It’s a whole life policy, which means your coverage never expires and your premium will never increase due to age or health changes. With this type of policy, you can have peace of mind knowing that when the time comes, your family won’t be left with the financial burden of final arrangements—they’ll be free to focus on what truly matters.
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