We Help You Find A Better Way To Protect What Matters Most To You.

Your Family
Your Finances

& Your Future

What We Offer

Life insurance is more than a policy—it’s a promise to protect the ones you love and a powerful tool to secure your financial future. Whether you’re safeguarding your family’s lifestyle, planning for major life events, or leaving a legacy, life insurance provides peace of mind and financial security. At WaterRock Life, we’re here to help you navigate your options and find the coverage that’s right for you.

Understanding Term Insurance

Term life insurance is one of the simplest and most affordable ways to protect your loved ones. It provides coverage for a specific period, such as 10, 20, or 30 years, and pays a death benefit to your beneficiaries if you pass away during that time. Term insurance is ideal for those looking for:

Temporary protection during key life stages.

Coverage for debts like mortgages or college expenses.
Affordable premiums for maximum coverage

Exploring Whole Life

Whole life insurance offers lifetime protection with a guaranteed death benefit and a cash value component that grows over time. It’s a great option if you’re looking for:

Permanent coverage that never expires

A policy that builds cash value you can borrow against.
Estate planning or creating a financial legacy

Discovering Indexed Universal Life (IUL)

Indexed Universal Life (IUL) insurance is a flexible policy that provides both death benefit protection and the potential for cash value growth linked to market indexes. IUL policies allow you to customize your coverage while leveraging market opportunities, all with downside protection. It’s perfect for those who want:

Adjustable premiums and coverage amounts.

Tax-deferred growth of cash values
A balance of protection and potential for higher returns

The Power of Living Benefits

Life insurance isn’t just about what happens after you’re gone—it can also provide protection while you’re still here. Living Benefits provide peace of mind and financial flexibility during life's unexpected challenges, ensuring your policy works for you when you need it most. Living benefits are a feature of many life insurance policies that allow you to access a portion of your death benefit during your lifetime in cases of:

Critical Illness: Coverage for major health conditions like heart attacks, strokes, or cancer.

Chronic Illness: Assistance if you need help with daily living activities
Terminal Illness: Fiancnail support if you're diagnosed with a terminal condition.

Annuities: A Guide to Your Options

Annuities are a smart way to create guaranteed income for retirement or grow your savings. At WaterRock Life, we offer:

Fixed Deferred Annuities: Secure, steady growth with a guaranteed interest rate.

Indexed Annuities: Growth potential linked to market performance while protecting your principle.
Immediate Annuities: Guaranteed income payments that start right away, ensuing a steady cash flow during retirement.

Annuities provide financial confidence, helping you plan for a comfortable and predictable retirement

Pre-Need Insurance

Pre-Need Insurance allows you to plan and fund your funeral and burial arrangements in advance, locking in today’s costs and removing financial uncertainty for your family. By ensuring your wishes are carried out as planned, pre-need insurance provides clarity and comfort, relieving your loved ones from difficult decisions during emotional times.

Sometimes it is difficult to know exactly where to start in the funeral planning process. That's exactly why NGL designed the Funeral Answer Book. It walks you through questions such as:

What are my funeral options? How do I select a funeral director or funeral home? What goods and services should I consider? How much is it all going to cost?

The Answer Book also includes a write-in section for you to store your choices all in one place.