Call us: (816) 254-6100

Life Insurance


Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Beacon Point Insurance Group, we’ll work with you to keep your family protected in the event of your untimely death.

A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Beacon Point Insurance Group, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:

  • Individual Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance
  • Disability Insurance
  • Second-To-Die Policy
  • Key Person (Key Men) Insurance


Life Insurance is one of the most important investments you can make. It’s an investment in yourself and the future of your loved ones, and it’s a way to secure your financial responsibilities to your family.

Your Life Insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

Protect what matters most in your life with a policy from Beacon Point Insurance Group.

Beacon Point Insurance Group provides quality Life Insurance solutions for clients near Independence, Kansas City, Blue Springs, Lees Summit, Liberty, and Raytown.


 Types of Life Insurance

Term Life Insurance
Term life insurance policies provide affordable, temporary coverage. Term policies contain no cash value and are designed for death benefit protection only. The premiums may be level for the first 10, 15, 20 or 30 years, depending on the policy selected. Because the death benefit protection is for a limited period, the premium is often the lowest of all types of life insurance policies. However, after the level term period, premiums go up significantly and increase annually.
Guaranteed Universal Life
Guaranteed universal life insurance is actually a very simple product to understand.  It generally operates like a term policy offering guaranteed premiums and death benefit.  What separates GUL from term life insurance is that you can customize coverage periods to last well beyond traditional term life periods.  In other words, you can structure it to last your entire life in most cases.
Universal Life Insurance
Universal life is a flexible premium, adjustable life insurance product that provides you with the flexibility of choosing the policy features that are appropriate for you and adjusting those features as your financial priorities and needs change. Policy cash value that grows on a tax-deferred basis1.

1.Beacon Point does not give tax or legal advice. You should consult a professional prior to making a purchasing decision.

Indexed Universal Life
Indexed universal life is a version of universal life that combines death benefit protection with the opportunity to grow cash value through an account that credits interest based upon the upward movement of stock market indexes – without the risk of investing directly in the market. The Index Account features a zero percent floor which guarantees your account won’t earn less than zero percent due to poor market performance.
Final Expense
Expenses associated with death, such as caskets and embalming, can have a substantial financial impact on those you love. Final expense life insurance can help protect loved ones from having to pay these costs out of pocket.
Whole Life Insurance
Whole life is the traditional form of permanent life insurance. It provides the certainty of level premiums, a guaranteed interest rate and a guaranteed death benefit1. Whole Life provides the extra security of guaranteed protection at affordable rates, yet it includes the element of cash value accumulation.

Myth 1:

I only need life insurance if I’m the primary breadwinner in my family.

Reality is that even if a spouse stays home, if something happens to them there will still be ongoing financial hardship for the surviving family.

Myth 2:

If I buy a term life insurance policy and find that I still need protection when the term ends, I can always renew the policy

Reality is that not all policies have convertible options, and even if they do, you will have to purchase the new converted policy at the age bracket you are in at the time, which means $$$, mucho money.  Just because you might be able to, doesn’t mean you WILL be able to.  The younger you are when you buy, the lower the cost.

Myth 3:

I only need term life insurance.

Reality is that we all die, that is a Fact that we can not deny.  The question is will you have enough time in your policy to cover the need,

life moves fast, how much life insurance do you actually need today and tomorrow?


Percent of US Adult’s don’t have adequate Life coverage


Percent of households that are under insured