Life

Insurance

A GOOD LIFE INSURANCE POLICY OFFERS PEACE OF MIND

THERE IS NOTHING MORE IMPORTANT THAN YOUR FAMILY’S SECURITY. THAT’S WHY HAVING THE RIGHT AMOUNT OF LIFE INSURANCE IS SO CRUCIAL. A GOOD LIFE INSURANCE POLICY CAN OFFER YOU PEACE OF MIND AND BE THE CORNERSTONE OF YOUR FINANCIAL PLAN FOR THE FUTURE. HOWEVER, IF YOU’RE LIKE MOST PEOPLE, YOU DON’T KNOW WHICH LIFE INSURANCE PLAN IS RIGHT FOR YOU. DO YOU NEED A WHOLE LIFE PLAN? WHAT ABOUT A UNIVERSAL LIFE POLICY? OR MAYBE TERM LIFE INSURANCE FITS YOUR NEEDS BEST? ALLOW AN INDEPENDENT EXPERT TO ASSESS YOUR NEEDS AND PROVIDE THE MOST COMPETITIVE OPTION FOR YOU.

BELOW ARE A FEW OF THE DIFFERENT LIFE PRODUCTS WE CAN HELP YOU WITH:

UNIVERSAL LIFE INSURANCE – Highly competitive, flexible, and permanent with guaranteed death benefit and strong cash accumulation. Protection for your family, business, and all that is important to you. Customize with valuable riders like Long Term Care, Disability Income, and more!

TERM LIFE INSURANCE (UP TO 95+) – Guaranteed level term life insurance features your choice of level death benefit term periods with guaranteed level premiums for 10, 15, 20, or 30 years and coverage expiring at age 95.

PREFERRED WHOLE LIFE INSURANCE – Fully guaranteed traditional whole life insurance plan with five premium options including Single Premium Whole Life, Annual Whole Life, 10 Pay Life, 20 Pay Life, and Life Paid Up at 65. Guaranteed Insurability Benefit available on all payment options. Must be medically underwritten to offer preferred rate levels. A Long Term Care Rider can be added to your policy so you won’t be dependent on your family to take care of you should you need long-term care in your later years.

SIMPLIFIED ISSUE WHOLE LIFE INSURANCE – Traditional whole life insurance plan with five premium options including Single Premium Whole Life, Annual Whole Life, 10 Pay Life, 20 Pay Life, and Life Paid Up at 65. Guaranteed cash values and premiums. As long as you are not confined to a hospice or hospital and are not terminally ill, you can be accepted in this plan. However, the death benefit is reduced if death occurs within the first two years.

GRADED DEATH BENEFIT WHOLE LIFE INSURANCE – Traditional whole life insurance plan with four premium options including Annual Whole Life, 10 Pay Life, 20 Pay Life, and Life Paid Up at 65. Guaranteed cash values and premiums. As long as you are not confined to a hospice or hospital and are not terminally ill, you can be accepted in this plan. However, the death benefit is reduced if death occurs within the first two years.

TRANSITIONAL LIFE INSURANCE – A brand new concept in life insurance. Providing a high, level life insurance benefit during the years you need it the most, and ending with a guaranteed, paid-up policy that will be there for the rest of your life.

CHILDREN’S SINGLE PREMIUM LIFE INSURANCE – Offered in $5,000 incremental amounts up to $25,000.

FAMILY TERM LIFE INSURANCE – Yearly renewable and convertible term policy to age 65.

SINGLE PREMIUM WHOLE LIFE INSURANCE – Want to increase the legacy you leave to your children or grandchildren? The death benefit is also tax free!

FUNERAL PRE-PLANNING – Pre-planning a funeral can offer family members peace of mind, as well as the opportunity to plan a meaningful funeral that reflects the unique life of an individual. We can offer a variety of products through our Funeral Home Partners designed to meet your pre-planning needs.

CREDIT INSURANCE AND DEBT PROTECTION – Life is full of uncertainties. Credit Insurance and Debt Protection coverages eliminate the worry associated with making your loan payments when those unexpected events occur that could cause a financial loss or hardship to your family.