Life Insurance.

We believe life insurance is the most important insurance for you and those who depend on you financially.  We believe in it so much, that we would even purchase the insurance for our extended family members if they were not willing to invest in the unknown future and purchase the insurance themselves.  Although none of us can foresee a family member passing unexpectedly, it is important to make sure that a tragic accident does not create an incredible burden for your family.  We believe that there is nothing more valuable than family, and we have many products available to help pay the mortgage, maintain their current standard of living, fund the kids’ college education, or pay for final expenses.  With the passing of a family member, the last thing that you want to be worrying about is money, so let us help you plan ahead and get life insurance for you or your family.

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Term life Insurance

Term life insurance provides coverage for a specific period of time, and often provides the greatest amount of coverage for the lowest initial cost.  However, with term life policies, premiums will increase at the end of the fixed-term period.  These are usually 10, 20, or 30 year terms.

Whole Life Insurance (Permanent)

It is important to make sure that your family and those who depend on you financially will be taken care of if you are not around.  With whole life insurance policies, your premiums will not go up even if you happen to get cancer or if anything in your health status changes.  Whole life policies may generally offer income tax-free access to cash value that can be used to pay for things such as debt, vacation, or early retirement.

Even though there are two basic types of life insurance, there are many factors that not only influence the cost of the insurance itself, but also influence which type of policy is right for you.  We highly recommend consulting a professional to help you determine the right type of policy.