What are the most common things YOU insure?
We insure all these things...
Yet, many forget to insure the greatest asset - OURSELVES!
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Life Insurance
Life Insurance is a way to protect your family & loved ones from the burden of financial responsibilities based on your needs and goals.
In exchange for policy premium payments, the insurance company will provide a lump-sum payment (death benefit) to your beneficiaries upon your passing. It is also a way to pass on tax-free wealth to your family's future generations.
What are the benefits of life insurance?
Forget everything you know about your grandparents’ life insurance. Today, life insurance does so much more than protect your loved ones if you pass away. With permanent life insurance, you can grow the policy’s cash value and use that money to help meet various financial needs throughout your life.
Protect your
loved ones
Help you save for retirement
Help pay off
debt
Help you cover end-of-life expenses
Help protect
your business
Assist with
estate planning
Help pay for college tuition
Help with charitable planning
What types of life insurance may be right for me?
Everyone’s situation is different — that's why there is a variety of options designed to fit your unique life insurance coverage needs.
Temporary Life Insurance
Temporary Life is like renting an apartment. It is lower in cost and easier to get approved for because it covers you for only a specific period of time, like 10, 20, or 30 years. Term Life also provides access to living benefits coverage, such as Chronic Illness, Critical Illness, and Terminal Illness. Policy premiums are guaranteed for the specific time-period.​​​
Permanent Life Insurance
Permanent Life covers you for your entire life and is more like owning a home, where a portion of your monthly premium pays for your cost of insurance (COI) and the rest builds a cash value that earns tax-deferred compound interest. Permanent Life offers many more living benefits than Term Life, but also provides access to Long-term Care coverage.
Types of
Temporary Life Insurance
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Term Life
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Group Term Life
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Accidental Death & Dismemberment​​
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Types of
Permanent Life Insurance
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Index Universal Life (IUL)
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Universal Life (UL)
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Whole Life
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Final Expense
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Long-Term Care (LTC)