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The Best

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. 

Life Insurance

Why is it Important?
Buying insurance protects your family from financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.
Life Insurance

Life Insurance

  •  Learn how to earn stock market returns without stock market risk.
  •  Learn how to create a tax-free retirement.
  •  Learn how to create an income stream to fund your retirement that you can’t outlive.
Health Insurance

Health Insurance

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.

  • Major Medical
  • Supplemental Health
  • Limited Benefit Plans
  • Cancer
  • Heart and Stroke
  • Critical Illness
  • Accident
  • Short & Long Term Disability
  • Hospital Indemnity
  • Dental
  • Vision
  • Hearing
Final Expenses Insurance

Final Expenses

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. 

Mortgage Protection

Mortgage protection insurance (MPI) can help your family cover your mortgage under certain circumstances – you can avoid foreclosure if you can no longer work to pay your mortgage.

Fixed Index Annuities

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

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savings plan is an investment account that allows a taxpayer to postpone paying taxes on the money invested until it is withdrawn, generally after retirement.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 Benefits

Employee Benefits

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

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

Schedule sometime

Let me answer your questions?
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.

120 19th Street North Suite 248, Birmingham, AL 35203


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