How Freedom Life Insurance Can Help You On Your Insurance Needs

There are two main types of life insurance policies, term life insurance and permanent life insurance. Which one works you depends on what your needs are. The following is some guidelines about the differences between the two so you can make the best decision for yourself and those that depend on you and your income.

A term life insurance policy is one that covers for a specified period of time. You can set the period, in years, that you need to have a policy in place. Those with young children, for example, might consider buying a 20-year term life insurance policy so that their children’s college educations are paid for. Another reason to buy a term life insurance policy is if you have a long-term debt, such as a mortgage, that you want to make sure would be paid off if you were to die prematurely.

A permanent life insurance policy provides coverage for the entire length of your life. They also accumulate savings over time which can be borrowed against. The savings can also be used to pay the premium of the policy. The cost for this type of policy is higher than what a term life insurance policy would be.

Freedom Life Insurance of America, Inc. is a company that offers both of these types of policies. It is a subsidiary of USHEALTH Group and is headquartered in Fort Worth, Texas. Freedom Life Insurance offers policies that are priced competitively with other life insurance companies making it a good choice for your life insurance carrier.

The life insurance policies that are available through Freedom Life Insurance are sold through the network of insurance agents called USHEALTH Advisors. It is a life insurance company that has been around since 1956 so they have a stable background in the industry. In addition to life insurance policies they also offer other types of insurance products such as annuities, including both indexed annuity and variable annuity products. Learn more:


USHEALTH Group Excells in the HEalth Care Industry

 With the mission of (HOPE) Helping Other People Every day, Ushealth Group is comprised of life and insurance organizations. It is based in Texas, United States. They offer insurance coverage to distinct disease or sickness and accidents, dental coverage, life insurance, critical illness, income insurance, and short term accident disabilities. It is an appropriate solution for self-employed persons, small business initiatives and families. The organization is committed to making sure deviation to other people lives. For the last over 50 years, the firm has served more than15 million clients.

With the understanding that every client has different necessities, the USHEALTH Group of organizations have array of options that they offer to their customers. The options apply to distinct diseases or sickness and accident insurance. Customers choose the coverage that they find to be the most suitable for them. In that case the firm has come up with a collection of coverage that favors the needs of their customers. That makes the USHEALTH Groups of companies unique and qualified for each and every client’s need. They offer flexibility, reliability and affordability.

The company believes customers should not have to pay for coverage before they need it. Plans offered by the company allow customers to receive first dollar payment for costs incurred up to a benefit maximum for covered health care services. If a customer does not use his benefits, he does not lose them. In the One Planet Awards 2016, USHEALTH won Gold in the company of the year award, company of the year for accounting, banking, financial and insurance, silver in the most innovative company of the year and sales growth achievement of the year. The company’s performances in the sector are numerous.

CEO Word Awards are annual peers and recognizes programs honoring CEOs and all size companies all over the world Troy McQuagge. It is also part of the SVUS Awards from Silicon Valley in the United States of America, which also jointly holds other programs such as Golden Bridge Awards, Consumer Word Awards, Customer Sales, and Service Rewards. The goal of USHEALTH is to combine of talents, agents, and economic resources to provide the best customer services in the competitive markets in aid of the company’s operation. Check more:


How to Choose Between Permanent and Term Life Insurance Policies

Among the many wise decisions individuals can make is to take up a life insurance policy. However, some people have a difficult time trying to figure out the one to choose. Here are a few tips to make the decision making process easier.

Take a permanent life insurance policy if:

  • If you want to have life insurance as long as you live, permanent life insurance is the way to go. The insurer should pay death benefits whether you die 50 years later or the next year. Choose a leading firm such as Freedom Life Insurance since it guarantees timely payouts.
  • If you wish to accumulate savings that multiply on tax-deferred terms, permanent insurance could suit you well. One is allowed to apply for loans against the savings. Death benefits serve as the loan’s collateral. Thus, if you die before the loan is fully repaid; the insurance company will deduct its share and give the rest of the cash to your beneficiaries. It is possible to borrow the loan even when the credit record is unstable.

Take a term life insurance policy if:

  • You only require the insurance for a specified period. Term life insurance allows the principal to take a policy for the time they need one. For instance, if you are planning to have a wedding celebration in ten years, you can take up the policy for ten years only.
  • You want a large payout yet you are working on a tight budget. Usually, the insurance company will only issue benefits to your beneficiaries upon your death. In case you are alive as the policy comes to an end, it stops unless you renew the cover or buy a new one. You need to get an insurance that pays on time, such as Freedom Life Insurance.

Note that:

  • Permanent life insurance policies are costlier than those of term insurance.
  • Premiums for permanent policies remain the same regardless of age.
  • Various life insurance policies are offered by reputable firms like Freedom Life Insurance.
  • Convertible term insurance is available for those who feel that their financial requirements may change.
  • Term insurance policies tend to increase with age.

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USHEALTH Group Is an Insurance Company Committed to the Overall Health of Your Family

Good health is a very important component of any successful economy. Thanks to the services of USHEALTH Group, the American company is at least trying to provide better and affordable health care services to its market. USHEALTH Group is an insurance company located in Texas State, Fort Worth city and provides affordable, personalized and innovative insurance covers to its customers. Through its subsidiary companies that include Freedom Life Insurance, the National Foundation Life insurance, and Enterprise Life Insurance, USHEALTH Group has been able to sell products that include life covers, accident and disability covers and life and specified illness cover to name but a few.

Established more than 50 years ago, USHEALTH Group has been able to learn the American insurance market well thus aligning its products to the needs and wants of the industry. In addition to this USHEALTH Group products are also fairly priced compared to other products in the market thus making them pocket-friendly to every citizen, the self-employed and small business owners included. The fact that these insurance products are personalized makes the company have enough insurance products for each of their customers.

The other selling point that shows USHEALTH Group commitment towards bettering the healthy life of the American citizen is the USHEALTH Advisors. USHEALTH Advisory is a sales and marketing arm of USHEALTH Group that specializes in offering detailed product advice of the company’s products. This is important as it gives the clients a lot of information that helps them make the most informed decision. USHEALH Advisory has also been awarded for its contribution to bettering the customer’s experiences and also encouraging growth in the company.

Other than committing itself to offering quality services and products to its clients, USHEALTH Group has a warm approach to their clients and appreciates the fact that each one of them is unique. Through this, they have been able to offer specialized services to their clients. This has earned the company an A+ Better Business Bureau rating.

USHEALTH Group is surely committed to improving the health sector in the American economy. Therefore by deciding to work with them on your medical insurance cover, you guarantee yourself quality services. Check more:


Troy McQuagge Is Awarded For His Excellent Input in the Health Sector

In 2016, Troy McQuagge received positive public recognition following his invaluable contribution in the health sector. Troy is the chief executive officer of USHEALTH Group. He received the One Planet Award because of his tremendous efforts when it comes to providing citizens with the best as well as affordable health insurance packages. The award came after being monitored by the panel of awardees.


While receiving his award, Troy stated that he was proud of his achievement. It was a reflection of his efforts in building the health care sector into different and useful categories that can provide better health for members. Troy also stated that he was receiving the award on behalf of his team. Were it not for his team, he would not have made it that far according to him. He went ahead to state that his team was committed to providing the best health insurance for patients. According to him, his team was entirely responsible for offering the best advice to patients as well as families. He added that were it not for the support from the USHEALTH Group team, there would not be an award. That is a reflection of the team’s commitment to providing the best health care services. Troy closed the speech by highlighting that his team is still committed to ensuring all clients can access affordable as well as proper health cover.

One Planet Awards

The One Planet Awards refers to a globally conferred token of appreciation given to organizations as well as individuals from different sectors as well as the world. These awards seek to recognize as well as honor the excellent performance in business, professionalism as well as service delivery in different industries. Anyone in any organization can access These awards. To participate, an organization needs to join the nomination process by submitting the relevant documents to the panel. The nomination process includes different companies from private to public, startups as well as for-profit and not-for-profit organizations. The awards cover different categories as well as sections.

Troy’s Profile

Troy McQuagge is prominent for his input in the health sector. The career corporate is also an avid entrepreneur who has excellent skills in sales. He hails from Panama, a city in Florida. The alumnus of the Central University of Florida is a proud sales person with thirty years experience in marketing. Initially, he worked for the Allstate Insurance Company. That was in 1983. He later joined the student division known as UICI. Troy continues to serve at USHEALTH Group. He is committed to creating affordable health insurance packages for clients.

AXA Advisors is a Trusted Provider of Revolutionary Insurance Solutions

AXA is a Paris-based multinational insurance company, which specializes in investment management, international insurance, and other valuable financial services. With a brand value increasing by 14 percent in 2016, AXA is the world’s leading insurance brand for eight consecutive years. The firm has expanded its operation to Europe, the Asia-Pacific region, Africa, and North America. AXA is a group of licensed and independently run companies, operated in accordance with the rules and regulations of many distinct nations.


A paper published by Vitali et al. in 2011, classified AXA as the second most influential transnational corporation with respect to ownership. The company has corporate control over market competition and international financial stability. Barclays took the first position while State Street Corporation settled at position three.


Brief history


AXA was originally created in 1816 as the Ancienne Mutuelle. It purchased Compagnie Parisienne de Garantie back in 1978 and adopted the name Mutuelles Unies. In 1982, it acquired Drouot Group and became Mutuelles Unies/Drouot. In 1985, the firm adopted the name AXA. It ventured into the financial services sector of America after acquiring The Equitable. In 1996, it purchased one of the largest insurers in France called Union des Assurances De Paris (UAP) and became AXA-UAP briefly before adopting its original name AXA in 1999. AXA has acquired several other firms, including Guardian Royal Exchange, Sun Life & Provincial Holdings, and the Swiss-based Winterthur Group.


Vinny Parascandola


Vincent “Vinny” Parascandola is a senior executive VP of AXA Advisors, LLC. He is in charge of sales, hiring, retention, management development, productivity and the capacity development of junior and senior financial experts. He has over 25 years of unparalleled experience in the financial services sector. He commenced his financial career in 1987 as an agent of Prudential. In the first year of Parascandola’s career, he was recognized as the National Rookie of the Year.


Parascandola secured a job at MONY Life Insurance Company back in 1990, where he served in numerous management positions prior to becoming a senior employee of AXA Advisors in 2004. He has earned several management accolades throughout his career, such as Master Agency Awards and prestigious GAMA’s Career Development. He is one of the globally recognized speakers, and he has spoken at several conferences organized by various companies and industries.