Protect What Matters Most with Life Insurance
Protect What Matters Most with Life Insurance
We provide personalized life insurance solutions that protect what matters most—your family, your future, and your peace of mind.
Coverage that fits
your life
Expert advice from knowledgeable
professionals
Insurance Solutions for Every Need
We offer a range of plans tailored to meet your unique needs. Let us help you find the right protection, so you can live with peace of mind.
Mortgage Protection
TAX-free Retirement
College Planning
Living Benefits
WHY CHOOSE US
Clients choose the Groff Life Group for many reasons, including our attention to detail, follow-through, responsiveness, and support. What will it be for you?
Quality of our Carriers
Process made easier
People who earn your trust with each contact
Affordable Premiums
HOW IT WORK
Our insurance process easy steps to get covered
Our insurance services are designed to provide you with peace of mind, no matter your needs
Understand Your Needs
You tell us about your goals, your preferences. And by asking some specific questions, we will get clear about next steps.
Getting The Answers
We research for you and have access to over 30 trusted insurance companies, and find the best policies that bring value to your future
Reviewing the Options
Our We walk through your top choices side-by-side, explaining each option in clear, simple terms so you can make a decision.
Putting Your Plan in place
When you are ready, we handle every step of the application and approval process. You will know exactly what happen.
SERVICES
Once your plan in place the ongoing service looks like this
Follow through on getting your policies.
Availability for questions, anytime.
Communication about new products through our email.
Policy reviews and update yearly depending on policy.
FAQS
Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.
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Life insurance is a contract where an insurance company pays a lump sum, known as a death benefit, to your beneficiaries after your death, in exchange for regular premium payments you make during your lifetime. This money can be used to cover your final expenses (such as your funeral), replace lost income, pay off debts (such as a mortgage), fund a child's education, or for many other purposes, including a gift to charity.
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You likely need life insurance if anyone depends on you financially. This includes spouses, children, or other relatives who rely on your income to maintain their standard of living, cover household expenses, or manage debt.
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Here is no single rule, as it depends on your unique financial situation, the number of dependents you have, and your outstanding debts. A common guideline is to have coverage equal to 10-15 times your annual income, but a financial advisor can help you perform a needs analysis to determine the right amount for you.
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The two primary types are term life and permanent life. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years). It's generally less expensive but has no cash value component and ends when the term expires. Permanent life insurance (such as whole life or universal life) provides lifelong coverage. It includes a cash value component that grows over time, which you may be able to borrow against.
Life Insurance Myths & Facts
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Generally, the death benefits paid to your beneficiaries are not considered gross income and are not taxable under current law. However, any accrued interest may be taxable, and it's best to consult a tax professional for specific advice.
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Yes, you can have multiple policies from different sources, such as one through your employer and another on your own. Both would pay out in the event of your death.
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Your risk of dying primarily determines premiums. Factors include your age, current health, medical history, family medical history, occupation, lifestyle habits (like smoking or dangerous hobbies), and the type and amount of coverage you select.
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Here are a few things to consider -
Does anyone depend on you or your income?
Do you have loans that someone else co-signed? If you die, they are still going to owe the money to the lender.
Do you own property? Someone will need to handle its sale, and until it is, the mortgage must be paid. Any preparation for sale costs time and money.
The cost of waiting
This is based on equal policies (IULs), and the only difference is age. (26, 36, & 46)
a. The cost of waiting 10 years is paying 30% more at 36, and waiting until 46, the premium virtually doubles.b. Paying for this policy stops after age 65 and starts paying out an allocation through age 90. The allocation for the 36-year-old is 41% less than that for the 26-year-old and 69% less at 46. In this scenario, the 26-year-old will be entitled to a 6-figure annual allocation that ends after he’s 90. Policy remains in effect until age 120.
Many factors can affect the ability to qualify for insurance. Once you contract an illness and become uninsurable, getting insurance is no longer an option. Why take that chance?
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Truth: Most people significantly overestimate the cost of life insurance. Many assumptions are based on guesses rather than actual quotes. Pricing depends on age, health, coverage amount, term length, and carrier underwriting.
For example, a 20-year term policy for $100,000 for a healthy 35-year-old non-smoker has been quoted at approximately $26.70 per month. Rates vary by individual and carrier.
Best Advice:
Don’t guess — look at real numbers.Check Your Real Cost
Get a Personalized Quote
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Don’t guessTruth:
If your absence would create a financial hardship for anyone — a spouse, co-signer, business partner, or lease obligation — life insurance matters now.
Additionally, if being unable to work due to terminal, critical, or chronic illness would create hardship, life insurance with Living Benefits may provide protection while you are living. Buying coverage while young and healthy can reduce long-term costs and help protect future insurability.Best Advice:
Get coverage before you need it. —look at real numbers.Talk With a Licensed Advisor
See What You Qualify For
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Truth:
Employer-provided life insurance is often limited in amount and typically tied to employment. Coverage may be a flat amount or 1–2× salary and may not be sufficient for long-term financial needs. Because it is group coverage, it usually does not follow you if you leave your job. When converted or replaced with an individual policy, costs can increase significantly.Best Advice:
Use employer coverage — and supplement it with coverage you control.
Get a Personalized QuoteTalk With a Licensed Advisor
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Truth:
The application process has changed significantly. Many policies are now applied for online using simplified or accelerated underwriting. Some policies receive same-day or near-instant decisions. While questions are required to provide accurate quotes, the process is far faster than traditional paper applications.Best Advice:
Don’t let an outdated process delay protection.Check Your Real Cost
See What You Qualify For
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Truth:
Most people are not experts in life insurance — and they don’t need to be. A licensed professional’s role is to explain options clearly and help you make informed decisions.You do not need to know what you want before the conversation.
Best Advice:
Start the conversation. We’ll guide you.
Talk With a Licensed AdvisorGet a Personalized Quote
WHAT PEOPLE SAY
Real trust hear from our satisfied clients
We’re honored by the trust our clients place in us. Through their real-life experiences, learn how our coverage, smooth processes, and personalized care make a meaningful difference.
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Glenn Groff
"As a small business owner, I needed reliable coverage. provided comprehensive options tailored to my needs. Their support has been invaluable. Their disability coverage kept me afloat during a tough time. I'm forever grateful. Their team is always ready to help, and I'm confident I'm well protected."
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Anne Groff
"As a small business owner, I needed reliable coverage. provided comprehensive options tailored to my needs. Their support has been invaluable. Their disability coverage kept me afloat during a tough time. I'm forever grateful. Their team is always ready to help, and I'm confident I'm well protected."
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Glenn Groff
"As a small business owner, I needed reliable coverage. provided comprehensive options tailored to my needs. Their support has been invaluable. Their disability coverage kept me afloat during a tough time. I'm forever grateful. Their team is always ready to help, and I'm confident I'm well protected."
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![]()
Glenn Groff
"As a small business owner, I needed reliable coverage. provided comprehensive options tailored to my needs. Their support has been invaluable. Their disability coverage kept me afloat during a tough time. I'm forever grateful. Their team is always ready to help, and I'm confident I'm well protected."
