Life Insurance

Life Insurance

Why is it Important?

Life is precious and we understand the delicate nature of planning ahead for one’s final expenses. Losing a loved one can be overwhelming and for many families it can be financially devastating. 

We will walk you through the steps of determining your need and align it with your budget. Each season of life is different so we offer a variety of plans to accommodate our client’s needs. 

Whether you need benefits to cover Burial/Final Expenses. Mortgage Protection or Income Loss Protection, we will help you plan ahead for these expenses so that your loved ones don’t have to.

family

Term life policies are generally designed to meet the policyholder’s needs for a specific amount of time hence the name "term". Term life insurance provides coverage for a specific number of years which is set at the time of application.

The policy expires at the end of the term so it is important to purchase an adequate length of coverage because the policy may not be eligible for conversion to a permanent AKA whole life policy. If you pass away prior to the date of policy termination, term life insurance will pay out the death benefit to the designated beneficiaries.

If the insured passes away after the policy termination, the term policy will not provide a death benefit. Term policies can typically provide coverage for 10-30 years, depending on the insured's eligibility. If you need coverage beyond the duration of the term, there are several options the may be available including: additional terms, policy conversion and whole life insurance.

Term life insurance policies are typically lower premiums for higher benefit amounts. These policies can be a good choice if you need to cover existing debts like a mortgage, student loans or perhaps you have children and want to protect them financially in the event of your passing.

Term life policies can be a very cost effective option as they provide coverage typically at a much lower cost than whole life policies. The downside of a term life policy is that it provides coverage only for a specific amount of time as oppose to your entire life. Most term life policies do not typically provide cash value either which can be a benefit of whole life insurance policies.

Whole Life insurance, also known as permanent life insurance, covers you for your entire life or until a set age (typically either age 100 or 120 depending on the insurance company). Once you are approved for a whole life policy, the price is also locked in for life. Since whole life insurance is typically much more expensive than term life insurance, it is a good idea to purchase earlier in life since prices are impacted by how old you are when you purchase the policy. Whole life plans can also accrue cash value which can be borrowed against in the form of a policy loan.

Final Expense policies, also known as burial policies, can be a good fit for adults (typically ages 45-85) who do not have life insurance or are under-insured but looking to cover their final expenses. These plans are similar to whole life insurance because the coverage is for life or up until age 100 or 120. It is typically much easier to qualify for a final expense policy than a traditional whole life policy. Final expense policies do not accrue cash value.

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Testimonials

What Our Clients Say

  • Neil Block

    Very professional and well informed on every aspect of our meeting. I would highly recommend them to everyone and I can't thank them enough for making... read more

    Rod Loftis

    Jodie was so knowledgeable and helpful getting us enrolled in Medicare. We could have never gotten this done without her!

    Michaela Foster

    Trying to navigate all of the Medicare offers was daunting until Jodie walked into the picture she broke everything down she had the expertise to help... read more

  • Cyndee Dell

    Jodie is so knowledgeable about the industry as a whole and that is what impressed us from the beginning. Informative and thorough, we highly recommend... read more

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    Jodie and Becky are both first class-ladies who are incredible to work with. It's easy to recommend Smart Insurance Solutions!

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    Jodie-Enenbach Moreno (an Independent agent) is everything we were looking for in an insurance agent. We had always been insured through an employer and were... read more

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    Jodie gives excellent service and is always quick to get back to me whenever I have a question. I wouldn't go anywhere else!

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    I first met wth Jodi a couple years back when I wasn't working and needed health insurance advice. she helped me out so much not only... read more

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    Jodie makes everything very easy when you deal with her. She has helped my family and I for several years now. We have had to call... read more

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    Jodie has been a great help to us in figuring out our health insurance issues. With so many companies dropping out of the individual... read more

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    Jodie has been very helpful with getting the insurance plan that meets my needs. She is timely with any correspondence and extremely knowledgeable.

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Our Team

Meet The Experts

photo by Lane Hickenbottom/Omaha Headshot Co.

Jodie Enenbach-Moreno

President

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 10 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca Rosales

Office Manager

Becky is our office manager and customer service specialist. She is an incredible asset to the team. Becky is also from Omaha - if you ask, she will tell you she is from South-O (go Packers!). Becky brings decades of management experience and provides many types of administrative support. Becky is a 1993 graduate of Leadership of Omaha and was among the first women in the world to earn a BSE (Building Services Executive) designation. She was also on the board of directors for ProSanctity, Emmy Gifford Theater and the Park East Neighborhood Association.

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Byron Rockwell

Property & Casualty Specialist

Byron started in the insurance industry in 1998 after having served in the US Air Force for more than 20 years. Byron has more than 20 years of insurance experience and we are excited to add him to our team!