Types of Insurance

Whole Life insurance can last the rest of your life with a guaranteed payout for your loved ones. Whole life insurance may be a great fit for you if: 

• You want coverage for the rest of your life
• You want a policy to build cash value over time
• You want to invest in a long-term benefit

Affordable lifelong protection

As long as you continue to pay your premium, this coverage will last your whole life. Premiums are level, meaning they won't go up over the life of your policy.

Cash value

This policy builds cash value automatically. You can use this cash value for emergencies or to supplement retirement income by taking a tax-free policy loan against the cash value. Note that outstanding policy loans will decrease the amount of the death benefit paid to your beneficiaries.

Term life insurance is a type of life insurance that provides coverage for a specific period, or term, chosen by the policyholder. It’s typically the most straightforward and affordable life insurance option by covering you for a set "term" (life insurance terms are typically 15 to 30 years). If you pass away during the term period, your beneficiaries receive a cash payment, called a death benefit. 

Term life insurance is a straightforward solution for a specific period of life. Individuals should carefully consider their financial goals & needs when choosing the duration & amount of coverage that best suits their circumstances. 

Term is generally more affordable than permanent life insurance, especially in the early years of coverage. This makes it an attractive option for individuals who want significant coverage at a lower cost, particularly during times of high financial responsibility. 

If you’re considering life insurance, term policies use premiums to cover you for the determined "term" of the policy, expiring if not claimed within that time frame. Whole Life Insurance can last your entire life if premiums remain current. Whole life policies have the potential to accrue cash value. A term life policy may provide a good match for someone seeking affordable coverage over a critical period. Whole life insurance offers options for those desiring the security of lifetime coverage.

We can address and set insurance options to cover the remaining balance of your mortgage.  Secure your most significant asset for your family, not if but when something happens to you. 

If something happened to you, your family will miss you.  However, they will also be left with the struggle and loss of your Income.  We can assist with making sure your income continues to be delivered to your family for 1, 3, or 5 years.

Insurance is based on two things: Your age and your health. You can protect your children or grandchildren now and at the lowest possible price while they are young and healthy.

The cost of a child's education is one of the most expensive things a parent will face.  Protect that opportunity for your children if something ever happens to you.   

Have you driven in a car lately?  It is unlikely you have not driven to work in the last few weeks and have not seen an accident on the side of the road. Additional and affordable coverage is available as additional coverage to help protect your family in such an incident.  

We have options to protect you and your family, no matter your needs or budget.  Submit a request today!