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Life
Insurance

Protect what you love

Life insurance provides peace of mind while you're alive and a safety net for your loved ones when you are gone. Proceeds from a life insurance policy can help cover final expenses, pay off debt, or cover living expenses. Whether your desire is to have inexpensive protection or to have flexibility as part of your overall financial plan, we will work with you to get the coverage you and your loved ones deserve.

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Term

Term life insurance policies are usually the least expensive option. This type of policy provides coverage for a set period of time, such as 10, 15, or 20 years, and does not have cash value. 

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Permanent

Permanent life policies include whole life and universal life. These types of policies provide coverage for your entire life.  
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Whole life policies have level premiums for the life of the policy, guaranteed death benefits, and guaranteed cash value that can be borrowed while you are still living.
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Universal life policies offer flexible premiums, adjustable death benefits, and potential cash value. 

Andrew Ip

Allegis Benefits Group

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Andrew Ip and Allegis Benefits Group are non-government entities and are not affiliated with or endorsed by the government or federal Medicare program. 

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 

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Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor.Enrollment in the plan depends on the plan’s contract renewal with Medicare.

© 2025 Andrew Ip

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