A few of the many A.M. Best A+ Rated Insurance Carriers we work with:

Term Life Insurance

Term Life Insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is generally anywhere from one to thirty years.
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In the chart to the right you'll find example quotes for males ages 30 - 50, and policies in amounts from $100,000 to $1,000,000 for a Level Premium   20 year term. Contact The Frayser Group and we'll send you quotes for any dollar amount and length you require.

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Note: The premium amounts listed in the example above are approximate.
​Each individual case will vary.

Whole Life Insurance

Information below presented by VOYA
Whole Life Insurance helps to protect the financial futures of you and your loved ones, while allowing you to build tax-deferred money within the policy (called "cash value") to stay on track. Borrow against your policy to pay for unexpected expenses or supplement your retirement income. ​

​Suitable For:
  • Individuals looking for financial and estate-planning tools
  • Individuals looking for a death benefit, in addition to a
    ​living benefit
  • Individuals seeking a consistent premium payment schedule  
Key Features:
  • Financial protection for your family upon
    ​your death
  • Protection designed to last your entire lifetime
  • Face amount increases or decreases available – depending on your changing needs and budget
  • Tax-deferred cash value growth – means you don’t pay income taxes on it while it accumulates 
  • Access to your policy’s cash value using income tax-free loans and withdrawals
  • Death benefit paid to beneficiaries free of federal income taxes 

Universal Life Insurance

Information below presented by VOYA
Universal life insurance is designed to last your entire life and can provide you with flexibility. Protect your loved ones with a life insurance death benefit while potentially building money to use during your life. You could possibly pay for college tuition, mortgage expenses, or supplement your retirement income. ​
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​Key Features:
  • Life insurance protection designed to last your entire life
  • Income tax-free death benefit1 paid to beneficiaries
  • Competitive fixed interest rate credited monthly to
    ​cash value
  • Cash value growth is tax-deferred, meaning you don’t pay any income taxes on it while it accumulates in
    ​your policy
  • Access to your policy’s cash value using income tax-free loans and withdrawals
  • Amount and frequency of premium payments can be adjusted to meet your needs
  • Death benefit can be adjusted down or up (with evidence of insurability)  
In addition to the information presented above, there are many variations and riders available which may enhance the policy you are looking for. To find out what options are available to you, email The Frayser Group: contact@thefraysergroup.com
INDEPENDENT
As independent brokers, we are not beholden to any one Life Insurance carrier. Our only goal is to find the best policy for your particular needs.
FREE
Our services come at no expense to you. That's right - for you, we are free. We get a commission from the insurance companies we work with.
EXPERIENCED​
​Our team has over 35 years of experience. Owner Eddy Frayser has been voted 'Best Insurance Agent' finalist by RTD every year since 2015. 
CONTACT
contact@thefraysergroup.com
804.272.8744