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LIFE
Term Life
Term life insurance can be purchased in large amounts for a relatively small initial premium. This is because it is only available for a restricted time frame and does not offer a savings portion or additional benefit like other types of life insurance. Many term policies expire before paying a death benefit. This means lower risk to the life insurance company and lower premiums for policy owners.

Term life insurance is ideal for individuals or families with short-term goals like paying off a loan or providing extra protection while children are young. Parents and young families often choose term life policies because of the reasonably low costs and substantial benefit amount in the event the worst happens.
Living Benefits
Like all life insurance, whole life policies protect your family in the worst of times. The death benefit from your policy can replace lost income, maintain mortgage payments, or fund college expenses. Whole life is a type of permanent life insurance because the policy stays in effect your entire life.

Whole life insurance has the added benefit of a savings component that grows cash value tax-free. Many policies have a guaranteed minimum rate of return for the cash value portion of the policy. This is often referred to as a "living benefit" because it is intended to be accessed during your lifetime.
Universal Life
You should consider universal life if you are interested in coverage that lasts your entire life. Additionally, universal life can be a great tool for those with long-term savings goals. You may want to build tax-deferred savings that you won't need right away. You can build cash value in your policy to withdraw or borrow against in an emergency.

Universal life policies are used for traditional life insurance benefits as well as other benefits. Accessing the cash value of a UL policy is sometimes referred to as receiving "living benefits."
More Information

Call for more information. We are ready to meet with you and discover your insurance needs. We will match you with the best policies at affordable prices. We will continue to serve you and your family after the policies are written—because you matter to us.

Select another type of policy below to learn more and give us a call for a quote today! We would love to serve you!

FAMILY
Auto
Renters
Homeowners

BUSINESS
Umbrella
General Liability
Property

LIFE
Term Life
Living Benefits
Universal Life

HEALTH
Medical
Dental
Medicare

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