Life Insurance
Insurance planning for the future and your loved ones.
Planning for your loved ones, let us cover it.
If someone, including a child, spouse, parent or other loved one currently depends on you for financial support then you definitely should consider life insurance coverage.
A designated beneficiary would collect a sum of money upon the death of an insured person. Other expenses, such as funeral expenses, can also be included in the benefits.
We can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
Term Life Insurance
Term Life Insurance provides protection for a shorter period of time from one year to 20 years depending on coverage. Term life insurance can be a good place to start for those how have no policies. Often it’s less expensive than permanent (whole) life insurance. Term life can provide the flexibility of being converted to permanent coverage if your needs change.
Whole Life Insurance
Whole Life Insurance remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
Universal Life Insurance
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Get Your Insurance Quote Today
Our licensed staff is ready to help you get multiple quotes for your insurance. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
Advantages of Life Insurance
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
Life Insurance Death Benefit – When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits – The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.
What type of life insurance is best for you? Talk one of our licensed life insurance agents today to find out. We can assist in identifying the best protection for you.
Disability Insurance
Your most valuable asset is the ability to make a living.
Your most valuable asset is the ability to make a living.
Disability insurance pays a portion of your income if you can’t work for an extended period because of an illness or injury. Disability Insurance is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for completion of core work functions. This coverage encompasses paid sick leave, short-term disability benefits, and long-term disability benefits.
