Welcome to Southern Heritage Insurance
Worry Free Protection & Security
Small Business Owner?
I am a problem solver for you.
I can help you figure out what insurance you need and help you get it.
We Promise you
We work with several different insurance policy providers to make sure that we can get you the coverage you need at a rate that suits you best. When life throws you a curveball, we make sure you’re ready. Don’t wait until that moment comes. Contact us today to see what Southern Heritage can do for you.
Health insurance protects you from unexpected, high medical costs. The amount you pay for covered health care services before your insurance plan starts to pay.
Final expense insurance is a whole-life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.
Fixed Index Annuities
A fixed annuity or multi-year guaranteed annuity (MYGA) is an insurance product that can be used as a retirement savings vehicle.
Tax Deferred Retirement Income
A tax-deferred savings plan is an investment account that allows a taxpayer to postpone paying taxes on the money invested until it is withdrawn, generally after retirement.
Employee-paid benefits are separate from health insurance. They can help pay for what health insurance doesn’t cover. During enrollment, you may be able to choose benefits that can provide additional coverage to help protect your future. When you know how these benefits work, you can make informed choices on what’s best for you now and in the future.
The Child Asset Builder
The Child Asset Builder is designed to help you create a lasting legacy for your child or grandchild using the rules and laws of Life Insurance. If you are searching for a way to help create cash accumulation for your child or grandchild call me today.
Frequently Asked Questions
What is universal life insurance?
It is is actually two different products packaged together.
- A one-year annual renewable term life policy at the face amount listed on the policy.
- A cash value account grows at either a guaranteed interest rate or the current rate whatever is higher.
You can cash out at any time or you can change the number of premium payments.
Does changing my insurance company affect my credit score?
Changing your insurance company does not affect your credit score.
Do you have to use Final Expense Insurance proceeds for something else?
Final expense insurance has a death benefit designed to cover expenses such as a funeral or memorial service, embalming, casket, or cremation. However, beneficiaries can use the death benefit for any purpose.
Get in touch
120 19th Street North Suite 248, Birmingham, AL 35203