Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living. It’s never too early to establish a life insurance policy.

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Did you know?

Funeral and burial costs can cost you thousands of dollars. Health insurance will not cover these expenses in the event of a sudden death. Having the proper life insurance coverage can protect you from paying these costs out of pocket.

Recommended Coverage

We recommend you have one in place if you have:

A spouse

Dependent children

Aging parents or a physically-challenged relative who depends on you for support

Retirement savings that is not sufficient to ensure your spouse’s future financial well-being

A sizable estate

A business

Assessing Your Need

Financial Need

The amount of life insurance you select should be based upon your personal and financial needs. Our staff can assist you in determining an appropriate coverage amount and help you decide on which type of life insurance is right for you.

Advantages of the Death Benefit

Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind.

Can provide business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits

The cash value growth of a permanent life insurance policy is tax-deferred, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.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.

Contact us today to discuss a custom life insurance plan.

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Types of Life Insurance

Term Life Insurance

Term life insurance provides life insurance protection for a specified period of time. If you do not currently have life insurance, term life insurance can be a good place to start. It’s generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 20-year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force during the insured person’s lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.

Universal Life Insurance

Universal life insurance is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts and unbundled pricing structure. Universal life insurance can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage rate.

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Request a free quote today. Our team is looking forward to helping you find the best life insurance coverage to fit your needs.

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