WHOLE LIFE INSURANCE
Whole Life Insurance is a permanent solution that guarantees your monthly cost while growing in cash value.
UNIVERSAL LIFE INSURANCE
Universal Life provides flexible coverage for your ever changing life needs. If you choose to get married, have a family or are ready for retirement, Universal life provides the blended flexibility that term and whole life insurance doesn’t offer.
TERM LIFE INSURANCE
Term Life Insurance is a cost effective solution that guarantees your monthly cost for 10, 20 or 30 years. Think of it as renters insurance where you are buying life insurance for a specific time. Minimum coverage is $150,000 with options to convert to a permanent insurance policy that builds cash value regardless of your future health condition.
GET THE BASICS RIGHT...
Minimum expectations shouldn’t cost an arm and a leg
What Kind of Life Insurance Do I Need?
We will help tailor the right life insurance plan to meet your needs. All within your budget!
Can I Afford Life Insurance?
You can buy life insurance for less than a few dollars per day. Maybe you decide to not stop at Starbucks today to protect the ones that you love.
Why Do I Need Life Insurance?
If something happens to you, who would pay the mortgage? Who would make up for the income that you bring to your family? Who would pay for your children's education? Who would pay for your final expenses? A well planned life insurance program can answer all of these questions and many more.
How Much Life Insurance Should I Buy?
Depends on your financial obligations and goals. Having an honest conversation about what you want to protect will help us design the right plan for you.
CUSTOMIZE YOUR LIFE INSURANCE POLICY…
When you want more than the basics, we have options to tailor your life insurance policy.
Just the way you want it!
Waiver of Premium
We can waive all premiums during a qualified disability, provided the disability lasts at least six consecutive months and begins after your life insurance is active up to the insured’s age 60. This benefit can be added up to 90 days after issue with an eligibility questionnaire.
Accidental Death Benefit
This benefit provides an extra amount of insurance if death occurs as a result of a qualified accident as defined in the policy, within 90 days of the injury or before the insured reaches age 70.
Children Insurance Rider
Children from the ages of 15 days to 19 years at the time of the life application and future children, can be provided coverage by adding the Children's Rider to most term and permanent products. It offers from two to ten $1,000 units of level term insurance to the child's 22nd birthday, or if earlier, to the policy anniversary date following the insured's 65th birthday.
Accelerated Benefit Rider for Terminal Illness Rider
A cost-free benefit that allows the policy owner to request an acceleration (advance payment) of up to 50 percent of the policy face amount (less fee and actuarial discount) to a maximum of $150,000, if the insured is diagnosed with a terminal illness and is expected to live no longer than 12 months (24 months in some states), or has a condition that requires a major organ transplant* to prevent the insured's death within the next 12 months. This benefit is available for all issue ages and can be added to the policy at anytime.