Life Insurance
Protect Your Loved Ones and Their Future by Buying Life Insurance
Will You Leave a Legacy of Love for your Family?
Watch this video and see how life insurance can impact your family.
We hope the worst won't happen, but sometimes we have to prepare for it just in case.
Learn about the various life insurance policies available to protect you and your loved ones for the future.
Term Life - Insurance which provides a death benefit only. Premiums increase each year with age or in the case of level premium renewable term, at the end of each renewal period (typically 5, 10, 15, or 20 years). Level premium decreasing term has a level premium, but the insurance benefit decreases on each policy anniversary. Since term insurance can become quite expensive at older ages, it is often used to cover protection needs of a shorter duration.
Universal Life - A flexible premium policy under which the policyholder may change the death benefit from time to time (with evidence of insurability) and vary the amount or timing of premium payments. This policy also builds cash value which maybe borrowed against or surrendered in full.
Variable Life - Whole life, or universal life, contracts having values that fluctuate according to the investment performance of the underlying mutual funds. While they have no guaranteed cash value, they often have a minimum guaranteed death benefit. Unlike conventional products, variable products are regulated by the Securities and Exchange Commission and sold with a prospectus.
Whole Life - Permanent insurance which provides, at minimum, a level death benefit upon the insured's death, or cash endowment upon policy maturity that is equal to the death benefit.