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Life Insurance

Our goal is to help our clients live their best lives. We believe that begins with helping them protect the assets they rely on every day.

Our comprehensive and competitive life insurance product portfolio is designed to help meet a variety of personal and business needs. This includes attractive features for both individual and business needs. Life insurance is a way to provide for your loved ones when you are not around. The money your business or loved ones receives can be used to help pay for expenses, the loss of human capital, loss of income, debts, educational needs, mortgage payments, and more.

There’s more to your life insurance portfolio than you may know.

At our company, we answer questions like: How much insurance do I need? and What types of insurance are suitable for my situation? Our Financial Services Professionals are both knowledgeable and passionate about finding a strategy that’s appropriate for you.

There Are Basically Two Types of Life Insurance:

Term Life Insurance is an easy to understand and offers affordable coverage typically set for annually renewable periods or fixed terms of 10 to 30 years.
Permanent Life Insurance – lifetime coverage with potential to build equity (cash value), options for more flexibility.

Term Life Insurance

Term insurance is an affordable coverage that offers protection for a specific number of years. Many people choose to supplement their permanent insurance with term insurance.

Benefits of Term Life Insurance

  • Get the most amount of coverage at affordable prices
  • Cover specific items like house payments or educational expenses
  • Supplement permanent life insurance as needed

Permanent Life Insurance

Permanent life insurance is lifetime coverage with a potential to build equity (cash value) and has more options for flexibility.

Corporate-Owned Life Insurance (for Deferred Compensation): COLI product built for financing nonqualified deferred compensation plans for corporate-owned cases.

Types of Permanent Life Insurance

  • Whole Life Insurance - fixed premiums, guaranteed death benefit, and cash value growth.
  • Universal Life Insurance - flexibility to change payments, premiums, and death benefit options.
  • Variable Universal Life Insurance - flexibility to change payments, premiums, and death benefit; option to take investment risks in return for a possible higher cash value.
  • Survivorship Life Insurance - provides a benefit to beneficiary after one person passes away.

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