Life Insurance is not a “one size fits all” product. It is important to have the appropriate coverage for your specific needs and also to be sure your policies are up-to-date. We offer a variety of life insurance products including Term Life Insurance, Universal Life Insurance, Whole Life /Final Expense, and Guaranteed Issue Life Insurance policies. We are here to help you understand the different types of life insurance and which product is right for you and your family.
Coverage that offers a death benefit within a selected period of time. The premium increases significantly at the end of each term length.
BEST FOR: Someone that needs a large amount of life insurance for a short period of time (10 to 30 years) at the most affordable price.
Example: Mortgage protection or coverage while children are minors.
Universal life insurance is a type of flexible, permanent life insurance offering the low cost protection of term life insurance as well as cash value accumulation. The policy can be reviewed and adjusted as a policyowners circumstances change.
BEST FOR: Someone looking for a flexible life insurance policy that may be increased or decreased later in life.
Example: A young couple with a small initial need, but will increase as they have children and buy a home.
This policy provides a death benefit for as long as you live. It features a level premium and level death benefit, generally to age 100 with a guaranteed cash value accumulation. This means your premium and benefit will not change.
BEST FOR: Someone who wants a fixed amount of Life Insurance at a level premium rate.
Example: Final expense or funeral cost.
A type of whole life insurance without health questions or underwriting requirements. The policy is guaranteed to be approved.
BEST FOR: A person who has a need for life insurance protection, but has health conditions that would otherwise be cause for a decline or a more expensive premium.
Example: A person who wants life insurance but has a pre-existing health condition such as cancer, heart attack, or diabetes.