Life Insurance

Life insurance can be important no matter what stage of life you are currently in. We offer many types of policies to meet your needs. Contact our licensed professionals to review the types of policies and find the one that meets your needs.

Term Life: Designed as a cost-effective solution to short-term insurance needs. It guarantees payment of a death benefit during a specified term. Upon term expiration, the policyholder can either renew for another term, convert to a permanent policy or allow the policy to terminate.

Level Term: Provides coverage for a specific period of time with both the death benefit and premium are fixed.

Yearly Renewable Term: Have no specific term but are renewable every year without providing evidence of insurability.

Decreasing Term: Have a death benefit that declines each year according to a predetermined schedule. The policy holder pays a fixed, level premium for the duration of the policy.

Permanent Life Insurance: Is a policy that is permanent and will pay a death benefit whether you live to 65 of 105.

Whole Life Insurance: Covers you as long as you live and pay a fixed amount premium for a specific time. It is made to fulfill an individual’s long-term goals.

Universal Life Insurance: Offers the policyholder significant amount of flexibility. The design of these polices allows you to increase or decrease the face value of the policy. It also allows you flexible ways to pay your premium.

Variable Universal Life Insurance: Combines a savings component with a death benefit.