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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, its 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 , Permanent , and Final Expense insurance.

Insurance Products

Term Life Insurance

It 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

is more expensive , but offers level premiums for life and strong cash accumulation to supplement retirement or college expenses. Additionally, it offers living benefits like: Chronic,and terminal illness. Permanent Life Insurance will protect you for the rest of your Life.

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.

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Today's Life Insurance Offers Many Benefits

Disability

Some Life Insurance Policies allow you to obtain a monthly benefit if you become disabled due to 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 you need to cover your mortgage payment temporarily.

Cronic Illness

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 policy death benefit while you are still living. This can be a great financial shield during your recovery.

Terminal Illness

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 death benefit while you are still living.

Family Protection Options

With a family plan you have the option to add your spouse and children younger than 19 years old all into one insurance policy. Your spouse will have the same benefits you have, and your children will be protected until they reach 25 years of Age.

Return Of Premium

Some Term Life Insurance policies offer a Return of Premium option. Even though these policies are more expensive than regular term, 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.

Cash Value

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

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