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Life Insurance.

Taking Care of What Means the Most to You

We understand how important your family is to you, so we treat every customer like family. Life insurance proceeds can help financially protect loved ones in the event of an untimely death. We will do research and offer an affordable solution that will fit your needs. Our main focus is on the following life insurance products.

Life Insurance – the Ins and Outs

  • Term life offers maximum coverage at the lowest cost. The premiums are guaranteed to be level for a specific term period of years. At the end of the term period, the insurance could become a yearly renewable term with then higher premiums or may have an option to convert to permanent protection.
  • Whole life is considered permanent protection with level premiums and guaranteed cash value. Dividends could be paid. 
  • Universal life is considered permanent protection that offers flexible premiums and builds cash value.  Payments beyond the cost of your insurance are credited to the cash value, earning an interest rate.
  • Single Premium life is a one-premium payment and no future premium required. Provides a guaranteed death benefit to age 121 and guaranteed cash value.
  • Simplified Issue with simplified application based on health questions with full death benefit and rider options.
  • Modified Benefit Whole Life available to those with certain health histories. The policy pays a return of premium plus interest if non-accidental death occurs with in the first two policy years.
  • Children's Term life is a one time premium with convertible options.
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