Find The Right Life Insurance
To avoid unnecessary worry about what the future holds, we ensure that you are covered.
We specialize in helping everyone get Life Insurance. With established relationships with numerous carriers, let us put together a Life Insurance plan that offers the highest level of protection for you.
Affordable Life Insurance
Life insurance provides security to your beneficiaries upon death. There are many kinds of life insurance, but they generally fall into three categories: Learn about each category below.
Generally, the most affordable option provides protection for a specific period (the “term”) such as 10, 20 or 30 years and pays a benefit only if you die 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 coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent (“Whole Life”) Insurance provides lifelong protection. If you pay the premiums, the full-face amount will be paid. Because it is designed to last a lifetime, Whole Life, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. Premiums-Can be locked in for a time or up to a certain age.
Universal Life Insurance
Universal Life Insurance (UL or Index Life IUL) a form of permanent life insurance with an investment savings element plus low premiums that provides policyholders with the flexibility in paying their premiums while it offers a death benefit. Premium costs may change with interest rates and as the policyholder grows older. Universal life insurance allows you to borrow against or cash in their savings portion, which grows, tax-deferred over your lifetime.