What are my options?

 Term Life insurance is life insurance that you pay for during a specified length of time or term – generally one to 30 years. You select the amount of the death benefit or face amount to meet your needs.

Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries. Term insurance policies do not accumulate cash value and therefore usually offer lower premiums than other life insurance products with the same face value.

• Require coverage for a certain period of time, such as until your children are grown
• Want to help your family maintain their lifestyle or stay in their current home if you’re no longer around
• Need to make sure debts, such as a car loan or credit card, are paid off
• Are just entering your prime earning years and need an affordable premium

  Universal life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash value on a tax-deferred basis. 

• Need coverage to protect your loved ones from the financial consequences of your death
• Value the opportunity to accumulate cash value that you can later access to pay for expenses such as college funding or emergencies
• Want the flexibility to adjust your payments and death benefit amount*
• Have maxed out your IRA or 401(k) and need additional options to save for retirement

Your family means the world to you. The last thing you want is to leave them with major expenses after you’re gone. Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. 

• Need coverage that doesn’t require a medical exam or health questions
• Have a tight budget or fixed income and need a premium that won’t increase
• Need coverage for burial, funeral, or other final expenses, or to pay off debts
• Would like to supplement existing insurance coverage
• Want to build cash value and have access to funds in an emergency

Accidental death insurance provides financial support for your loved ones if you die in a covered accident. It’s available for anyone between the ages of 18-70; because this is guaranteed protection, you cannot be turned down if you qualify based on age.

• Want to provide protection for your family in the event of an unexpected covered accident
• Need to supplement existing life insurance coverage
• Cannot qualify for other types of life insurance due to age, occupation or health conditions
• Are on a tight budget or need coverage quickly 

Children’s Whole life insurance is a type of permanent life insurance coverage designed for children 14 days old to age 17. Provide the gift of lifelong protection for your children and grandchildren through premiums that are guaranteed to never increase.

• Want to lock in low childhood rates that will never increase
• Want to guarantee coverage throughout adulthood regardless of future health or occupation
• Want to invest in a policy that provides cash value, which will grow along with your child
• Want to provide the opportunity to add more coverage in the future