Life

When you think about the joy your loved ones bring to you, you naturally think about what you can do for them in return, not only now, but in the future. By ensuring that they’ll be provided for in the event of unexpected circumstances, you’re taking care of them no matter what. Somehow, knowing that they’re covered helps you enjoy your own life more.

family

Types We Offer

What it is

Benefits

Who it’s Best for

Permanent Life Insurance

 Whole and universal life insurance are types of permanent insurance that can provide you guaranteed protection for life, tax-deferred cash value accumulation, and the ability to access your funds.
  • Whole life offers guaranteed life insurance protection that will never expire, as long as your payments remain current.
  • Permanent life insurance allows you to build cash value, which is the portion of money you can use during your life for things like mortgage payments, education, and loans. 
  • Permanent life insurance can be customized to allow high flexibility.
 The money you spend on this insurance may be higher up front than for term life insurance, but its value and coverage do not expire. It is ideal for those who wish to build a significant financial asset.

Term Life Insurance

 Think about term life as renting property compared to owning it. Term life is an economical way to provide life insurance protection, with no accumulated cash value, for a limited period of time you choose, e.g., 10, 15, 20, or 30 years.
  • Affordable coverage that will expire when the time period you selected is up.
  • May be converted to permanent insurance (whole life or universal life) in the future.
 Ideal for people who wish to provide life insurance protection for their families at a relatively reasonable price for a specific amount of time.