Life Insurance is simply protection to ensure that your family will have financial security when you die. If something should happen to you, how will they be able to continue doing the things they take for granted, like live in a nice home, continue their education, or create a retirement nest egg without YOU? Life Insurance can help you provide the answer.
Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 30 years.
Term Insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term Insurance generally provides the largest insurance protection for your premium dollar.
Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.
We offer a simple issue term insurance that requires no medical exam. This is a great idea to get when you purchase a new car that would pay off the debt in the event of your death.
Whole Life Insurance provides permanent protection for the whole of life-from the date of policy to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds up over time. Cash value build up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever cancelled.
These products are always changing and we can provide you with the latest information and policies available!!