Our Services
We offer personalized insurance,Whether you’re starting a family, buying a home, planning for retirement, or paying off debt — we help you protect what matters
Smart Insurance Solutions That Grow With You
At Lineage Insurance Services, we offer personalized insurance and financial strategies that align with your life, your needs, and your goals. Whether you’re starting a family, buying a home, planning for retirement, or paying off debt — we help you protect what matters.
💼 Term Life Insurance
Protect your loved ones with cost-effective life insurance for a set period (10, 20, or 30 years).
Ideal for young families, mortgage protection, or income replacement.
✅ Budget-friendly monthly premiums
✅ Easy application — no medical exam
✅ Flexible coverage options
✅ Pays a tax-free death benefit to your family
🔎 Great for first-time buyers and families with children.
🔐 Whole Life Insurance
Whole life insurance offers lifetime coverage plus a cash value component that grows over time — guaranteed. We use the Infinite Banking Concept (IBC) to help you:
✅ Build tax-advantaged cash value
✅ Borrow against your policy to pay down debt
✅ Recapture interest you’d otherwise pay to banks
✅ Control your own repayment schedule
✅ Leave a lasting legacy
🔎 Ideal for debt reduction, long-term wealth, or retirement readiness
⚰️ Final Expense Insurance
A simplified, affordable plan to cover burial, funeral, and medical costs.
No medical exam, no complex underwriting.
✅ Guaranteed issue for most applicants
✅ Covers funeral, cremation, and hospital bills
✅ Peace of mind for your family
✅ Affordable premiums starting under $50/month
🔎 Great for seniors who want to avoid burdening loved ones.
🏠 Mortgage Protection Insurance
Your home is your biggest asset. We help you protect it.
This coverage ensures that if something happens to you, your loved ones can continue living in your home — debt-free.
✅ Pays off remaining mortgage balance
✅ Avoid foreclosure or family relocation
✅ Quick approval with no medical exam
✅ Custom coverage matched to your mortgage
🔎 Perfect for homeowners with families.
Small Business Insurance
Protect What You’ve Built.
Custom coverage for business owners — from key person life insurance to buy-sell agreements.
✅ Life insurance for partners & executives
✅ Coverage for succession planning
✅ Options for owner retirement or legacy planning
✅ Consultations included at no extra cost
🌟 Complimentary Services
- 📊 Debt Reduction Consultation
- 🧾 Retirement Needs Analysis
- 🧠 Educational Resources & Webinars
- 📞 Ongoing Policy Support
💬 Still Unsure Which Plan Is Right for You?
Get a personalized plan with zero obligation.
📅 Book a Free Call with Michael →
Or call us at +1 (805) 668-1278
Frequently Asked Questions
Term life insurance is typically the most affordable option, especially if you are young and healthy. It offers high coverage amounts at lower premiums compared to permanent policies.
Yes. Many people combine policies — for example, a term life policy for income replacement and a final expense policy for funeral costs — to meet multiple financial goals.
It depends on the policy and coverage amount. Some policies, especially final expense or smaller term policies, can be issued without a medical exam. Larger coverage amounts often require one to assess your health.
Yes. Most life insurance policies cover both natural causes and accidental death. Some policies also offer optional riders for additional accidental death benefits.
Term life premiums are fixed for the policy term, while whole life and final expense premiums are generally level for life. Mortgage protection premiums may stay fixed or adjust based on policy design.
Yes, you can cancel at any time. If you cancel within the grace period (typically 10–30 days), you can get a full refund. After that, term policies end without any payout, while whole life policies may return part of the cash value.
Yes, you can cancel at any time. If you cancel within the grace period (typically 10–30 days), you can get a full refund. After that, term policies end without any payout, while whole life policies may return part of the cash value.
Once the claim and necessary documents are submitted, most life insurance companies pay out within 7 to 30 days. Delays can occur if there are issues with paperwork or if the death occurs within a contestability period.
