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Life Insurance · Advanced Markets
Coverage for Every
Stage of Life

From straightforward term life to sophisticated advanced market strategies — we match you with the right product, from the right carrier, at the right price.

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01 — Term Life Insurance
Simple Protection.
Serious Coverage.

Term life insurance is the most straightforward way to protect your family. You pay a fixed premium for a defined period — 10, 20, or 30 years — and your family receives a tax-free death benefit if you pass away during that term.

At Novara, we shop 30+ carriers to find you the best rate for your health profile, age, and coverage needs. Most clients get coverage in place within 48 hours.

10, 20 & 30-Year Terms
Choose the term length that matches your financial obligations — mortgage payoff, kids through college, retirement.
$100K – $5M in Coverage
Coverage amounts for every situation — from income replacement to estate planning needs.
Accelerated Underwriting
Many clients qualify for no-exam policies with same-day decisions. Traditional underwriting also available for larger cases.
Level Premiums Guaranteed
Your rate is locked in at issue. No surprises, no increases — the same premium for the life of the policy.
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Term Life Insurance
02 — Permanent Life Insurance
Protection That
Lasts a Lifetime.

Permanent life insurance provides lifelong coverage with a built-in cash value component that grows over time. Unlike term, it never expires — and it can serve as a powerful financial tool beyond simple protection.

Novara works with you to select the right permanent product — whole life, universal life, or indexed universal life — based on your financial goals.

Whole Life Insurance
Guaranteed death benefit, guaranteed cash value growth, and guaranteed premiums. The most predictable permanent option.
Universal Life Insurance
Flexible premiums and adjustable death benefits. More customizable than whole life with permanent protection.
Indexed Universal Life (IUL)
Cash value linked to a market index with downside protection. Combines growth potential with guaranteed floor.
Living Benefits
Access your death benefit early if diagnosed with a chronic, critical, or terminal illness. Available on most policies.
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Permanent Life Insurance
03 — Advanced Markets
When the Stakes
Are Higher.

Novara's advanced market practice works with business owners, executives, and high-net-worth families to design life insurance structures that do more than provide a death benefit. We build comprehensive strategies that solve complex financial, tax, and estate planning challenges.

Buy-Sell Planning
Fund business succession agreements with life insurance. Protect your business partners and ensure smooth ownership transitions.
Key Person Insurance
Protect your business from the financial impact of losing a critical employee, executive, or founder.
Estate & Wealth Transfer
Use life insurance to equalize estates, pay estate taxes, and transfer wealth to the next generation tax-efficiently.
Premium Financing
Finance large life insurance premiums using borrowed funds, preserving liquidity while maximizing coverage and cash value growth.
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Advanced Markets
04 — Final Expense & Annuities
Security at Every
Stage of Life.

Not every client needs a complex solution. Final expense insurance and annuities provide straightforward, guaranteed protection and income for clients who need simplicity, reliability, and certainty.

Final Expense Insurance
Simplified issue whole life designed to cover end-of-life expenses. No medical exam, guaranteed acceptance options available.
Fixed Annuities
Guaranteed interest rates and protected principal. A safe alternative to CDs for clients seeking predictable retirement income.
Indexed Annuities
Market-linked growth potential with a guaranteed floor. Participate in index gains without the risk of market losses.
Income Riders
Guaranteed lifetime income options that you can turn on at retirement — income you can't outlive, regardless of account value.
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Final Expense and Annuities
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Ready to Find the
Right Coverage?

No pressure. No jargon. Just a licensed Novara advisor who will help you find the right product for your situation.

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