Life Insurance

Term and Permanent Life Insurance Plans That Fit Your Needs.

Term Life Insurance

Term Life Insurance is one of the most affordable and straightforward forms of life insurance. It provides coverage for a specific period, typically 10, 20, or 30 years, and pays a death benefit to your beneficiaries if you pass away during that time. It’s often used to protect your family during your working years, covering major financial responsibilities like mortgage payments, income replacement, or children’s education.

One of its biggest benefits is cost—it offers high coverage amounts at lower premiums compared to permanent life insurance. However, term life has no cash value and expires at the end of the term unless renewed, which can make it less ideal for long-term estate planning or lifetime protection.

Whole Life Insurance

Whole Life Insurance offers lifelong protection and includes a cash value component that grows over time. As long as premiums are paid, your beneficiaries will receive a guaranteed death benefit. This type of policy is often used for long-term financial planning, estate protection, or building tax-deferred savings. While premiums are higher than term life, they remain fixed and the policy can accumulate value you can borrow against.

Universal Life Insurance

Universal Life Insurance provides flexible coverage with adjustable premiums and death benefits, allowing you to adapt your policy as your financial needs change. It also builds cash value over time, which can be used to cover premiums or as a financial resource. It’s a great option for those seeking both lifelong protection and the ability to manage how and when they fund the policy.

Final Expense Insurance

Final Expense Insurance is designed to cover the costs associated with end-of-life expenses, such as funeral services, burial, and outstanding medical bills. It’s typically easier to qualify for and has smaller benefit amounts, making it ideal for seniors looking to ease the financial burden on loved ones. It offers peace of mind without requiring a medical exam in most cases.

Accidental Death & Dismemberment (AD&D)

AD&D Insurance pays a benefit if the insured dies or suffers serious injury (like loss of a limb or sight) as a result of a covered accident. It’s often used as supplemental coverage to enhance a life or health insurance plan. While it doesn’t cover death from illness or natural causes, it provides valuable protection in case of unexpected, accident-related events.