Life Insurance, Coverage, Protection, Wealth and Retirement

Term Life Insurance is Affordable

Keep in mind, the cost for Term Insurance is calculated according to a person's age and health.  Term is typically a wonderful and temporary solution as it provides a significant amount of coverage for a low cost.  Term Life is temporary (10-30 year terms) and does not build any cash value. 

Term Life has flexibility; This type of policy allows the chance to renew at the end of the Term; plus there is always an option to convert into Whole Life.    Perfect for newlyweds, young couples and for those worried about making the Mortgage payments, replacing lost income, covering large household costs or dealing with any unforeseen expenses.

 Whole Life Insurance is Permanent
  

This type of Life Insurance Policy provides permanent protection for your entire life as long as the premiums are paid.  In addition, Whole Life Policies generate a large amount of guaranteed cash value growth which you can take withdrawals or access loans.  

Whole life insurance costs more for a good reason.  Even though your premiums remain the same throughout your lifetime,  You should expect to pay a higher premium than you would for a term life policy because not only is there a death benefit feature which is found in all life insurance policies, there is a substantial cash value buildup over time. 

Universal Life is Flexible & Builds up $$

Universal Life is popular for those who want to build up a tax free retirement.

 This is another type of permanent life insurance policy which provides a large amount of coverage & is Good for your entire life.  Universal Life policies allow flexible premiums and are typically made up of two parts: a guaranteed death benefit, which is money left to your loved ones, and a cash value component.

Additionally, this unique type of Life Insurance policy allows earnings to grow tax-deferred, meaning tax free withdrawals and tax free accumulation;  No taxes going into the policy and no taxes come out.  

Final Expense covers Burial Costs

 Final expense insurance can protect your family from the burden of funeral costs,  burial fees, medical bills, & other unforeseen expenses.  

Many carriers have guaranteed issue which means that your acceptance is guaranteed at an affordable cost.  

Final Expense Insurance is normally issued as a Whole Life policy which means that it builds up cash, price does not go up, the policy does not terminate and is good for your whole life.

 Let's put together a plan to make sure that your family members will be well taken care of in the future. 

 Life Insurance is a living gift which you can leave for your family.   

No matter what your age or health condition, everyone needs a plan in place to protect their loved ones in case something unexpected happens when you are no longer with us. 

Browse our Life Insurance Plans

Brochures, Options and Benefits

Don't leave anything to chance. Protect the ones that you love.   Just an absolutely wonderful way to ensure that Your Life and Your Legacy can go on.

Let's set up a time to discuss the plans and options.