Life Insurance

Term Life

Term Life Insurance is an affordable life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the Insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid to designated beneficiaries. Term Life can last as long as 30 years.

Coverage range $50,000 to $2,000,000

Whole Life

Permanent (traditional) life insurance is paid to beneficiaries upon death of the insured. A savings element is attached, and compound interest accrues at a fixed rate and on a tax- deferred basis.

 

 

 

Coverage range $5,000 to $2,000,000

Universal Life

Universal life is a form of "permanent" life insurance with flexibility that comes with cash value. This policy is useful for final expenses, debts, to supplement retirement income, and to provide additional coverage.

Coverage range $50,000 to $2,000,000

Guaranteed Life

Guaranteed issue life insurance is a small whole life insurance policy with no health qualifications.  Guaranteed issue policies are designed for people with serious health conditions that keep them from buying policies that offer immediate death benefits.