What is life insurance?

Life insurance is a contact and a promise to pay beneficiaries a sum of money upon your death, in exchange for periodic premium payments . Life insurance is designed to help ease the financial burden of loved ones after suffering a loss. This includes paying for funeral expenses, medical bills, existing debt obligations (like a mortgage), children's education, and can even be used to help your maintain the lifestyle they've become accustomed to. 

how does life insurance work?

Life insurance is determined by how much monetary coverage you need, and how long you need it. Life insurance policies can be purchased starting at $50,000 in coverage, and can be purchased for both short and long term periods, as well as permanent life-long coverage. 

Universal life

Provides immediate cash value to beneficiaries upon loss. Offers flexible payment plans, tax deferred savings, and guaranteed death benefits. Customized to fit individual protection, financial security, and supplemental retirement needs.

whole life 

Provides level death benefit with level premiums, and guaranteed cash values. Whole life insurance can also provide needed cash value in an emergency, and can help to supplement future retirement income.

Simplified issue whole life

For insureds age 50-80, provides coverage for final expenses, outstanding medical expenses, outstanding debts, and funeral costs. This plan offers death benefit protection, cash values (to age 110), and guaranteed premiums. Short form application with minimal underwriting requirements.

Simplified Issue Children's Whole Life 

For insureds 15 days through age 17, provides guaranteed premiums, death benefit protection, and cash values (up to age 110).

 simplified issue 5 year level term

Provides a low-cost level death benefit protection to cover short term debt obligations. This plan offers minimal underwriting requirements and an easy-to-complete application.

10, 20, & 30 Year Level Term

Provides coverage for over a specified period of time and is designed to protect short-term needs such as mortgages, debt obligations, or protection while children are young. Term life policies typically do not provide a cash value. These plans can have guaranteed premiums and renewals benefits added at your request.