Life Insurance

Don’t leave the future of you and your family to chance...

There are several different types of life insurance, all with a common purpose: to protect your loved ones from bearing a large financial burden in the event of your premature death. 

The two most popular types are term life and whole life.  Term life insurance generally provides protection for a set period of time.  In contrast, such as whole or universal life, provides lifetime coverage.  It’s important to match your life insurance to your specific needs and goals.

Individual Uses for Life Insurance:

• To replace income your family would need to maintain their standard living.

• To repay a loan: pay off your mortgage or other personal and business debts.

• To create an education fund for your children, and family emergency fund.

• To pay final expenses, such as funeral costs or medical bills.

• To guarantee future insurability.  No matter what your future health, your policy will stay in force as long as premiums are paid.

• To create a cash value savings accounts: on a forced savings account by accumulating a cash value over time in permanent life insurance plans.  When the policy is properly funded, these cash values can be borrowed through policy loans.