Coverage Options
Life insurance is more than just a policy—it’s a way to protect those you care about. It can cover financial obligations, provide income replacement, or leave a legacy for future generations. Let us help you choose the right coverage to meet your unique needs.
Term Life Insurance
Term life insurance provides affordable, temporary coverage for a specified period, typically 10, 20, or 30 years. It’s ideal for covering short-term financial obligations like a mortgage, education expenses, or income replacement for your family. If you need protection for a set period at a lower cost, term life insurance can be a smart choice.
Whole Life Insurance
Whole life insurance offers permanent coverage for your entire lifetime, along with a cash value component that grows over time. This policy not only ensures financial security for your loved ones but also builds a cash reserve you can borrow against or use in retirement. With guaranteed coverage and consistent premiums, whole life insurance is a valuable asset for long-term planning.
Universal Life Insurance
Universal life insurance combines lifelong protection with flexible features that adapt to your changing needs. With this policy, you have the flexibility to adjust your premium payments and death benefit amount over time. It also includes a cash value component that grows based on market rates, making it a versatile choice for those looking for both security and flexibility.
Variable Life Insurance
Variable Life Insurance is tied to investment accounts such as bonds and mutual funds. Part of your premium payment will go towards the beneficiary, while the other part goes into an investment account
Indexed Universal Life Insurance
Indexed universal life insurance is a permanent life insurance that is based on the stock market index agreed upon by your insurer or financial advisor.
Guaranteed issue life insurance
Guaranteed issue life insurance means no medical exams and no health questions. As long as your between the ages of 40 and 85, you qualify. This insurance is good for helping cover some final expenses such as funeral costs.
Group life insurance
Group life insurance is usually a part of a company's benefits. Premiums are based as a whole, allowing employers to offer basic coverage for free, or much lower prices.
Simplified Issue Life Insurnace
Simplified issue life insurance policies are usually quick, if not instant because they don't require a medical exam.
Don’t Make These Mistakes.
Choosing the cheapest premium.
It’s tempting, but choosing a life insurance plan based solely on price is how you end up with holes in your policy.
Having an agent that doesn’t value you.
With most insurance agencies, agents come and go and agencies get sold without informing clients. That personal relationship you built with your old agent doesn’t matter anymore. You are a policy number.
Policies simply renew on an annual basis.
Agencies typically bill you annually for the coverage you agreed to years ago without discussing it with you. Unless you mark it on your calendar to call and check, you will get the same coverage over and over again.
Follow These Solutions.
Find the “right” insurance coverage.
Get the best solution for your needs. This means you can rest assured that you’re fully covered if and when you need the insurance.
You are more than a number.
Your concerns are of the utmost importance to us, and we pride ourselves on returning your calls and questions within the same day. This is how you treat those you care about.
We proactively find you better solutions.
We want to make sure the coverage you have is the coverage you need for every stage of life. We reach out to you to confirm you have the right coverage before we renew your policy.
