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Types of Insurance
and Product Overview.
Discover How Life Insurance Works!
Stability & Diversification
At MCA360 Life Solutions, we've got you covered!
There are several types of life insurance:
Term, Fixed-Term, Whole Life, and Universal Life Insurance. We also offer a Final Expense Policy or Plan Right, which protects the oldest members of the family and can be approved the same day. If you are looking for a Single Pay or 'Single Premium' Life Insurance policy, we are offering the absolute best support and companies.
For those thinking of retirement or investment, who like to work with the stock market but without risk: Indexed Universal Life Insurance, or Annuities — MYGA, which is a Multi-Year Guaranteed Annuity connected to the S&P500. Are you a business owner? Get this critical financial tool that provides stability and continuity.
Life Insurance Options:
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Term Life Insurance Quotes: Low-cost coverage for a set period—ideal for budget-conscious protection. Get your term life insurance quote today!
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Whole Life: Lifelong coverage with cash value—secure your future forever with the Infinite Banking concept. Amazing living benefits.
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Final Expenses: Affordable plans to cover funeral costs—no burden left behind.
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Annuities: Build retirement savings with guaranteed returns.
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Life Insurance diversification: Comprehensive protection for every stage of life with different financial products.
Why choose MCA360?
Our insurance services and quotes are fast, personalized, human, and some are approved the same day, no hassle, just answers!
But there's more!
Explore our full range of insurance options below:
Term life insurance provides coverage for a defined number of years, 10, 15, or 20 with fixed premiums for the length of the policy. If the insured dies when the policy is active, a death benefit will be paid to the family. Term Life insurance typically has no cash value, and has a limited duration. It’s usually the most affordable type of life insurance. Term life insurance can help your family continue to meet financial obligations such as mortgage payments or college tuition in the event of your unexpected death. Get your Term life insurance quotes fast. Chat with us to schedule an appointment.
Highlights
Duration of coverage: Choose from 10,15, 20, 25, or 30 years
Premiums: Stay the same for the duration of the initial term period, although will generally increase if coverage is renewed after the initial term period.
Death benefit: Fixed
Cash Value: No.
Universal Life Insurance, medical or non-medical, mirrors Whole Life with a death benefit and cash value but shines with flexibility. As long as your policy is current, some policies may allow you to increase or decrease coverage as life shifts—boost it (if you want to increase your coverage — an exam may be needed). You can also choose to decrease your death benefit as you pay down your mortgage, for example. It allows you to save a part of your monthly payment with 0% loss and a profit between 4% and 7% compounded annual interest. Chat with us for a free Universal Life quotes today!
Universal Life’s cash value earns a guaranteed minimum interest rate—plus potentially higher, non-guaranteed rates set by Foresters Financial. Skip premiums if cash covers costs, or pay extra if rates dip low. Chat with us to get a free quote!
Universal life insurance highlights
Duration of coverage: Life
Premiums: Flexible, may change throughout the duration of the insurance
Death benefit: Fixed or Increasing
Cash Value: Yes
Whole Life Insurance lasts your entire life—up to 121 years—unlike Term, with guaranteed cash value you can tap. Borrow up to 90% for renovations, college, or more through Infinite Banking — Banco Infinito. Flexible policies, no cancellation penalties. Secure your future with Whole Life—chat with us for free quotes today!
Whole Life Insurance from Foresters Financial delivers lifelong coverage with 12 unique benefits: Terminal Illness loans, Orphan Scholarships, Competitive Teen Scholarships, Community Grants, ‘Grants Renew’ for education, Member Discounts, Diabetes Benefits, and Volunteer Grants like ‘Foresters Moments’ and ‘Foresters Care’. Monthly payments grow your base coverage, savings, and earnings by an average of ~6% compound interest. With guaranteed death benefits, cash value, and dividends, it’s a permanent peace of mind. Chat with us for free Whole Life quotes today!
Highlights
Duration of coverage: Life
Premiums: Typically stay the same for the duration of the insurance
Death benefit: Increasing
Cash Value: Yes
The Benefits of
Universal Life Insurance, Whole Life
& Term Life with:
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In the event of the policy owner's death, the beneficiaries will receive the death benefit sum, and double the amount of the insurance sum if the death is in a public transport accident*
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The policyholder will receive an advance of 95% of the insurance value in the event of a Terminal illness (maximum two years to live)*
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The policyholder will receive a 75% advance in case of cardiac arrest, cancer, heart surgery, or vital organ transplant*
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If the policyholder suffers a chronic disability of 90 days or more, he or she will receive an advance or payment of 50% of the amount of his or her coverage*
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The policyholder's family or children can apply for a competitive scholarship of up to $10,000.00. The scholarship selections are based on factors that include good grades and community volunteer involvement. Available to eligible students pursuing post-secondary education at a university, community college, or trade program*
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Orphan insurance for policy owners with small children (if the parents die, each child under 18 will receive $900 per month until age 18 and a scholarship for $6,000.00 per year for 4 years, making a total of $24,000*
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Do you like to help your community? Receive a $2,000.00 bonus or subvention for organizing non-profit community events*
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Would you like to help as a member? Receive a $200.00 bonus or subvention up to 2 times a year for small donations. See — Act. Help your community!*
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Diabetes Member Benefit offers discounted pricing on trusted diabetes management products from Accu-Check®. Exclusive pricing, free shipping, and regular delivery*
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LawAssure Services. Insurance lawyers make your legal will for free. This online document preparation service helps you create customizable wills, powers of attorney, and healthcare directives. Find out how LawAssure can protect your legacy*
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The policy owner can choose any Charity that, upon death, a donation of 1% of the insurance value be made to any non-profit institution, or to the church where the person who owns the life insurance used to attend*
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$5,000 for the hospital in case of injuries from a natural disaster.
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Member Deals! Discounts on gift cards, everyday necessities, electronics, and other online shopping opportunities. Plus, family-focused activities are more affordable with discounts on hotels, rental cars, theme parks, attractions, and much more.
Some life insurance products like Whole Life and Universal Life Insurance build cash value from your premiums—part funds coverage, part grows in a piggy bank with compound interest. Whole Life offers guaranteed cash value; some pay dividends in participating-plans (for extra perks like premium cuts or cash payouts) Whole-life policies that don’t pay dividends are also known as non-participating. Access it via loans or withdrawals for emergencies. And let's not forget the Living Benefits you will get through Foresters Financial. Plan smartly—chat with Lyro for free quotes today!
