(972) 232-2258        
8668 John Hickman Pkwy, Suite #901

Frisco, TX 75034

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We have you covered with

          Life, Health & Group Insurance

We specialize in personal and group insurance

at Aleaf 

Our team is actively involved in our community and with the Frisco Chamber of Commerce as well, because we care deeply about the individuals and small businesses that form our neighborhoods. When a loss occurs in a family or a business,  there's enough to handle without worrying about how to pay the bills or maintain an established lifestyle. We can set you up with the proper type of insurance policy to ensure your family members, your employees and your business is covered correctly.

Key Executive Life Insurance


Key Executive, also known as Key Man or Key Person insurance, is life insurance purchased by your business on specific key employees -typically the founders, owners, or important executives. Typically, these are the people who are considered to be crucial to the survival and profitability of the business. A Key Executive Policy could also be used in an ownership buy sell agreement.

 

Since the business buys a key person policy and is both the payor of the premiums and the beneficiary, if the covered employee passes away, the business receives the insurance proceeds.

 

Those proceeds can be used in various ways, such as paying off debts, offsetting operating expenses, supplementing lost profits and earnings until a replacement can be hired.

 

We can help you determine how to make sure the future of your business is covered correctly.


Employee Benefits


Employee benefits play a key role in attracting new employees as well as helping your business to retain current employees. Our agency strives to find the best economic solution for you and your employees. Let us help you design a comprehensive benefits package including Medical, Dental, Vision, Life, and Disability options.


Individuals & Families


Healthcare coverage is one of the most important decisions you can make for yourself and your family. There are a variety of options to meet your needs and our staff has the knowledge and experience to get the best options for you.

Customized Life Insurance to Benefit You & Your Family


Life insurance helps secure your family's financial future with numerous benefits:


Covering final expenses such as medical bills, burial costs and outstanding debts is much easier to do with a life insurance policy. Handling the ongoing expenses of mortgage payments, car payments, education expenses and other basic living costs is less complicated as well.

With life insurance, families that run a small business or an owner who loses a business partner can keep operations flowing smoothly while needed adjustments occur; life insurance could even prevent a business from closing.

 

Estates sometimes take considerable time to settle, but insurance benefits usually arrive fairly quickly, providing loved ones with some peace of mind, even when facing loss of income. These benefits are also typically tax-free.


There are several types of life insurance available, and your choice is a very personal one. We'll work closely with you to determine the best fit for your individual needs.


Term Life: This insurance lasts only for a set number of years, which is determined at the policy's inception. Term insurance is typically the most affordable, and it can sometimes be renewed at the end of the designated period or be converted into a permanent policy. Costs may increase for renewals or conversions.

 

Whole Life: Also known as permanent insurance, this policy lasts for the life of the holder. Whole life policies build tax-deferred cash value as well, which can be borrowed to help pay for college tuition or other life events. Borrowing does reduce the final benefit if amounts aren't repaid, but premiums typically remain steady for the life of the policy. In some cases, policy holders can convert whole life insurance into annuities for retirement. 

 

Universal Life: This is also a permanent policy that builds tax-deferred cash value, but it offers additional flexibility over whole life. As long as minimums are met, universal policy holders can choose their premium amounts, lowering payments when unexpected expenses arise or raising them when a greater investment is possible. Universal policies may also offer variable investment opportunities.


Our staff is ready to assist you with any of your insurance needs listed above. Please see quote request options below or give us a call to discuss your specific need.



Need a quote for Group Insurance? Click here and let us know!

Life/Health Quote Request

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