TERM

Screen Shot 2015-12-07 at 11.41.40 AMYour family depends on you for emotional and financial support. Life insurance will provide you the opportunity for you to continue to keep your family safe and secure after you’ve passed. The reality of living expenses such as health care, home ownership, and child care combined with the struggles people are experiencing in the job market create a possibly volatile situation for many families. Let us help you by providing you term life insurance policies that can be matched to a period of time when you need it the most. We know that protecting your family is your first priority and we are here to serve you by providing you policies that make the most sense for your family’s circumstance.

 

WHOLE LIFE

whole_life_insurance_benefitsPermanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums.

Permanent life insurance works best when the insurance need is long-term. With a guaranteed death benefit that will not decrease and a premium guaranteed not to increase, permanent life insurance can be less costly than term insurance. Permanent life insurance is flexible and gives you a series of options that can be changed as your life changes. You could even choose to stop paying premiums and change your policy to paid-up. Permanent life insurance allows you to make choices that fit best with your life.

Let us help you decide which is better for you. Our agents are well educated and will provide you the information you need to make the best decision for your family.