Life

FINANCIALLY SECURING LIVES

Life Insurance

Life insurance policies are unique and depend on your personal and financial needs. As your life changes, your life insurance should evolve. Getting married, having a baby, purchasing your first home, starting a business, or retiring all warrant a review of your life insurance policy. We can help you weigh your life insurance options. The choices can be overwhelming for the average person, and it’s our goal to make the decision easier. We’ll look at different insurance companies and coverage types and help you determine the best fit for your current situation.

Term Life

Having a fixed term life insurance coverage is one of the cheapest premium options that can last 10, 20, or 30 years. The premium will, for the most part, be same throughout the policy unless your unique lifestyle causes you to change it. Term life provides death benefit should the policyholder pass away during the term. Contact us to find out more about Increasing Term, Decreasing Term, and Annual Renewable life insurance.

Whole Life

As the name implies this life type of life insurance will last for the policyholder’s entire life, guaranteeing the death benefit. The premium is higher than the other life insurance options but will always be same amount. In addition, the cash value accumulation will increase consistently (there are limitations and exclusions). Help your family prepare for the unexpected and let us help you find the right coverage to better ease the mind.

Universal

Universal insurance is similar to Whole Life insurance in the following ways: you are covered for the entire duration of your life, get to build cash value, and will be paying a higher premium than Term Life. However, you have the ability to adjust your premium should your financial situation change and alter the beneficiary’s payout. In some cases your are able to skip a premium, should the cash value for that month cover the cost. Give us call or send an email and we will be more than happy to help you decide on a coverage .