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Life Insurance

 

  • Term Life
  • Universal Life
  • Variable Universal Life
  • Whole Life
  • Survivorship Life
  • Annuities


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Variety of affordable Life Insurance plans

 

advice.. 

"If  not carefully explained, there are so many overwhelming options that  will cause you to put the decision to obtain life insurance off.   Get  multiple quotes explained, purchase an adequate amount, and don't over  buy.   If the cost is outside your budget, greater the chance you will  let the coverage lapse. Better to have some then none." 

   

Why Life Insurance?

Upon  the death of the insured, the policy's beneficiary is paid a death  benefit. Typically life insurance protects the finances of one's family,  but can also be used for:

  • Pay household debt
  • Funeral expenses
  • Child's education
  • Cost of childcare
  • Mortgage protection
  • Estate protection
  • Protect business key employee loss
  • Employment benefit


Lifelong or fixed amount of years only?

Permanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. It remains in force for as long as you continue to pay your premiums.  Term Life insurance provides coverage only for a specified "term"  or period of years and has no cash value, but Return of Premium (ROP)  plans are available.  We can help you determine which plan fits your  needs best. 


Term Life Insurance - Return of Premium

Return of premium (ROP) term life insurance is a brand name for a type of term life insurance policy that can return 100% of the premiums paid for coverage IF the insured party survives the policy's term

  

Universal Life Insurance

Is a type of flexible permanent life insurance offering the low-cost protection of term life insurance and a savings element (like whole life insurance),  which is invested to provide a cash value buildup.  You can even choose  to alter your premium payments and saving funds often earn money market  rates of interest.    

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