LIFE INSURANCE

We do everything we can for our loved ones, not because we have to, but because we want to. Whether you’re looking for coverage for a specific period of time or lifelong protection, with the right Life Insurance coverage you can feel secure knowing that your loved ones will be able to live out their dreams, no matter what the future holds.
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There are two major types of life insurance—
term life and permanent life. 

Term life policies are the most affordable form of life insurance. Term insurance pays a benefit if death occurs during the term of the policy. 

Permanent life insurance encompasses several subcategories, including traditional whole life, universal life, variable life, and variable universal life. It pays a benefit whenever the insured member passes.

Term life policies can also be converted into whole life policies, if the conversion occurs during the term of the policy. This enables the insured member to retain their original health rating. There are no medical exams or records required to complete the conversion.

  • Will I need a medical exam?

    In order to obtain the best premium rate, you will most likely need to complete a medical exam. It is a quick, non-invasive exam and a nurse will come to your home or place of work to complete it. Some companies will offer insurance without an exam but the individual must be in good health and answer medical questions.

  • How much Life Insurance do I need?

    We can help you determine this. We will discuss factors such as mortgage balance, living expenses, and children’s college tuition. Family goals vary which is why we will tailor a plan just for you.

  • Who can I designate as my beneficiary?

    You can designate anyone as your beneficiary, including a charitable organization. The only restriction is your beneficiary must be over 18 years old.

Mortgage Protection Insurance

Mortgage Protection Insurance (MPI) is designed to pay off your mortgage if you were to pass away. You can rest assured that should the unthinkable happen, your family would be able to continue living in their home.
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Whole Life

Starts at $21.99

Per month 
Whole Life insurance pays a death benefit whenever you pass, even if you live to 120.
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Term

Starts at $9.99

Per month 
Term insurance pays a benefit if death occurs during the term of the policy, which is typically between one and thirty years.
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Universal

Starts at $18.99

Per month 
An IUL is a type of permanent life insurance policy that has tremendous tax sheltering benefits.
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