Life Insurance

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Are you looking to protect your family or to preserve a legacy? Let us help you secure affordable coverage to protect what matters most.

Purchasing a life policy can be a daunting task without the help of a trained professional to help guide you through the process.

Which Life Insurance Policy is right for me? Generally, there are four (4) types of coverage:

Level Term (Pure Protection)
- Generally low initial cost.
- Fixed Death Benefit.
- Level Premiums.
- No Cash Value
Whole Life (Protection and Cash Value)
- Fixed or Increasing Death Benefit
- Fixed Premium

Universal Life (Protection and Cash Value)
- Flexible premiums.
- Flexible or fixed death benefit.
- Growth of cash value based on a declared interest rate.
Indexed Universal Life (Protection and Cash Value)
- Flexible premiums.
- Growth of cash value based on index-lined interest rates typically subject to a growth cap and a floor.

How much coverage do I need?

It depends on your unique needs but our “needs analysis” will help determine the proper amount of coverage for your family. This amount will vary for each family based on income, expenses/debts, assets and each individual family planning situation.

Term vs. Permanent Insurance

It’s important to differentiate between the two (2) basic types of life insurance. Permanent policies are designed to provide coverage ones entire life and guarantee a payout to beneficiaries. These policies are for people whose needs will not change over time or may be looking to accumulate cash inside the policy, perhaps as part of a tax advantaged retirement income strategy. Some permanent policies may also have the option to purchase a long-term-care “rider” benefit. This benefit may allow the insured to access a portion of the death benefit (while alive) for use towards various types of home healthcare, nursing care and/or assisted living facility, etc.

By contrast, Term insurance provides coverage for a specific period of time (typically 10, 15 or 20+ years) to satisfy a temporary (yet important!) need. After the pre-determined period expires, the plan may renew annually. Term policies do not accumulate cash. Some may offer an option to “convert” to a permanent form insurance but this depends on the carrier and program.

We understand you have a budget. Our local consultants can recommend ways to improve your financial situation as it relates to your life insurance and look forward to serving you.