Life Insurance - A Policy Designed With You in Mind!
We offer a number of life insurance options. We have one just right for you based on your age and lifestyle.
We love discussing your current situation and your life goals. We understand everyone has different plans for their future and one size does not fit everyone's life situation. That's why we offer a variety of life insurance options and we have one just right for you!.
Life Insurance Options
There are several options available to you. We will help you decide which is type of life insurance is right for you.
Term Life Insurance
Term life is a type of life insurance policy where premiums remain level for a specified period of time —generally for 10, 20 or 30 years. After the end of initial level premium period, premiums will generally increase. Coverage continues as long as the premiums are paid. This is an option you may want to consider when you’re on a more limited budget or have significant expenses such as raising a family.
You can often pay a lower premium when you select a shorter term — say, ten years instead of 20 or 30. Although you may pay a lower premium for the first ten years you may (and mostly likely will) timeframe expires. A term life policy generally gets more expensive as you grow older.
Whole Life Insurance
Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract.
The premiums cost will stay the same as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed for a variety of purposes while you’re still alive.
Universal Life Insurance
Like whole life, universal life is permanent insurance that may also accumulate a cash value.
Universal Life Insurance offers more flexibility then Whole Life. You can tailor a policy to meet changing priorities with flexible premiums and death benefit amounts. Plus, Universal life also offers you more control over how quickly your cash value grows.
Retirement planning using life insurance
Life Insurance can be an important part of your retirement planning. Let us show you how!
