Life Insurance Coverage

Life insurance provides financial protection for you, your spouse and your children. Life insurance can help pay off any debts, pay living expenses by replacing loss of income, pay any medical or final expenses and more. Life insurance also safeguards assets inherited by loved ones through the application of tax-free benefits.

Term Life: Coverage for a specific period of time (typically 10-30 years) that holds no cash value to the policy to access while living.

Whole Life: Permanent coverage with premiums that remain the same for life with a guaranteed death benefit and can include cash values that grow at a guaranteed rate.

Universal Life: Much like Whole Life, however, the premiums are flexible and can be raised or lowered by yourself to adjust to life circumstances.

As with most things insurance related, the longer you wait, the more it costs. A policy’s costs will depend on your age, health and tobacco use.

There is no fine print, no “gotcha” techniques, and no hidden fees or commissions. If we are able to help you find a policy that makes sense for your situation and budget; then we are paid by which carrier you ultimately select for navigating the maze on your behalf.