Life Insurance
Whole Life | Term Life | Commercial Life
Is your family or business is taken care of if the unexpected happens to you?
Provide financial security and reassurance for you and your loved ones
Many consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.
As your personal situations change (i.e., marriage, the birth of a child, or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. It would help if you weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health, and age. It has additional charges for riders that customize a policy to fit your individual needs.
How Much Life Insurance Do I Need?
Try our life coverage calculator below to help you learn more.
Contact us and we’ll walk you through the process and help you make the right decision for you and your family.
Types of Individual & Commercial Life Insurance
We offer several different coverage options for your consideration including term life, whole life, and more.
Term Life
This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover the financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.
There are two types of term life insurance:
Annual Renewable Term
Purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
Level Term
Guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
Whole Life
As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.
Commercial Life
Group Life Insurance
Disability Insurance
Second-To-Die Policy
Key Person (Key Men) Insurance
Not sure where to start? We’re here for you!
There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.
An insurance specialist will review your current life insurance situation and help you design a policy to plan for the future.
At the end of the day, one of the biggest investments you can make is an investment in yourself.