Insure Your Life And Protect Your Family With Life Insurance

Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, help pay your mortgage, protect your spouse’s retirement plans, pay for your funeral expenses and much more. There are many types of Life Insurance , but they can be narrowed down to 3 types: Term Life  Insurance, Permanent Life Insurance, and Final Expense insurance.

Term Life Insurance

 Term Life Insurance is usually a convertible Insurance policy guaranteed for 10,15, or 30 years that will protect your Family and Assets in the early years of your Marriage when your Mortgage is new, and your children are growing up. Find out how affordable Term Life Insurance can be. 

Permanent Life Insurance

 Permanent Life Insurance ,on the other hand, is a more expensive Life Insurance, but offers level premiums for life and strong cash accumulation to supplement retirement or college expenses.  Permanent Life Insurance will protect you for the rest of your Life.

final expense insurance plan
Final Expense Life Insurance

 Final Expense insurance is a Whole Life insurance with guaranteed premiums and guaranteed cash value assuring your protection will be there when you need it most! In addition, we provide you with a funeral plan with your final wishes to give your family peace of mind.

Today's Life Insurance offers Many Benefits

Many Life Insurance Policies allow you to obtain a monthly Benefit if you become disabled due an illness or injury. It is usually sold as a rider or additional benefit, which can be added to your insurance contract. This is great to have when need to cover  your mortgage payment temporarily.

If you suffer a major health event, which prevents you from performing 2 of the 6 activities of daily living, you may qualify for chronic illness benefits. This option allows you to accelerate a percentage of your Life Insurance benefit while you are still living. This can be a great financial shield during your recovery,

If you become terminally ill,  and your doctor provides written verification you have 24 months or less to live, you may qualify to accelerate up to 100% of your Life Insurance benefit while you are still living. 

Permanent Life Insurance policies like Whole Life insurance and Universal Life insurance accumulate cash value which can be used to cover past due payment, for emergencies, or to supplement your retirement when the time comes.

Some Term Life Insurance policies offer a Return of Premium option. Even though these policies are more expensive than regular term life insurance, they offer a refund of up to 100% of the premiums paid during the term.  If you choose Return of Premium , you have nothing to loose.

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