Term – Typically the most affordable. Term insurance covers a specific period of time typically 10, 20, or 30 years. Many people will purchase Term to cover the years when they have children at home and a larger mortgage because you can get more coverage. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.

We all need help at some point in our life. Life insurance can be the help you need for those who financially depend on you when they need it the most.

Life insurance can give you the peace of mind that comes with knowing your loved ones will be protected financially in the event you die prematurely or suffer from a long-term Illness.

• want low-cost life insurance with guaranteed premiums for a specified period of time
• want additional death benefit to supplement permanent life coverage
• require a larger amount of insurance but have limited finances
• are interested in purchasing term life insurance at a low cost today but with the option to convert to a permanent policy in the future with no additional evidence of insurability
• are interested in purchasing term life insurance with optional riders that can provide living benefits in the event of a qualifying terminal, chronic or critical illness or critical injury.

Our term insurance is an affordable way to provide financial security for the people who rely on you – TODAY and TOMORROW.

Whole Life – It’s called “permanent” insurance because it remains in force for your lifetime as long as you pay the scheduled premiums. The premiums are designed to remain level over the life of the policy. A permanent life insurance policy has the potential to build cash value that is tax-deferred, and you may be able to access these funds on a tax-advantaged basis. When you pass away, your beneficiaries will receive the amount of the death benefit, minus any outstanding loans and loan interest that may be due on the policy at that time.

Indexed Universal Life – Indexed universal life is a form of universal life insurance and is considered to be one of the most flexible types of life insurance. You also have the potential to build cash value in your policy and some come with Living Benefits features. IUL is a form of universal life insurance with excess interest credited to cash values. But, unlike traditional Universal Life (UL), the amount of interest credited is tied to the performance of an equity index, such as the S&P 500. Like some UL insurance policies, most IUL policies provide a minimum interest credited to cash values, even when the index produces negative returns. Determining how much interest will be credited to cash values is based on a number of factors. If the index goes up, you may earn interest, but if the index goes down, the values of your interest crediting strategies are protected from loss due to the market decline. Indexed interest accounts calculate interest using a Participation Rate or a Cap.