Life insurance protects your loved ones from the financial consequences of losing you. The death benefit can be used to pay funeral expenses, reduce debt, fund education, replace lost income, or fund any other goals you may have.
There are several types of policies, each with their own merits. The policy for you will depend on your goals, budget, and preferences.
Life Insurance Coverage
Term Life Coverage is active for a specified length of time, typically 10, 20, or 30 years. Because the coverage has an expiration date, term is usually the lowest cost option.
Whole Life Coverage is permanent as long as the premium continues to get paid. Whole life also includes a cash-value component, which earns interest.
Universal Life Coverage can be designed to last for a specified term or be permanent. Universal life is a flexible policy that allows for unique strutures.
Return of Premium Term Life Term life insurance that pays the sum of premiums paid back to the owner if the policy expires without being exercised.
Instant Issue Term Life Term life that can be issued in a few minutes with no medical exam.
And More There are a variety of optional coverages that may be right for you.
Why Choose Us?
Independent Agency
We’re an independent insurance agency. We quote your insurance with many insurance companies to provide great coverage, lower rates, and more flexibility.
Great Service
One of our tenets is to provide outstanding customer service to our clients by understanding what they value, the risks they’re exposed to, and providing cost-effect but comprehensive solutions.
