Life Insurance
Life Insurance Information
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you perish during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need a specific amount of coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals, or surrenders are taken, the full face amount will be paid. It is designed to last a lifetime and is priced for you to keep over a long period of time. Permanent life insurance accumulates cash value and many permanent life policies are utilized as a form of retirement plans or early home loan pay-offs.
* Ask about our unique plan to pay your home off 10 years early*
What we offer
We offer multiple life policies and are very competitive as we have been in the industry for over
100 years.
- Term (ART, 10 yr, 15 yr, 20 yr, 30 yr)
- Universal IUL
- Whole Life
*Bundling Auto, Home, and Life insurance can get you up to 15% off*
It's important to receive the correct consult when deciding which Life Insurance policy to purchase
as every family's circumstances are unique to their specific financial goals.
The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.