Affordable Life Insurance for You & Your Family

Life InsuranceLife Insurance offers financial protection for those who depend on you. Contact us to discuss the types of life insurance policies that best fit your needs.

Four Types of Life Insurance:

  • Whole Life
  • Term Life
  • Permanent Life
  • Simplified Life

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Different Types of Life Insurance Explained

Whole Life

Whole Life Insurance is the simplest form of permanent life insurance. It provides death benefits coverage up yo age 110 and gives you access to guaranteed cash values. It also includes the Accelerated Death Benefit Provision which provides the advancement of a portion of the death benefit. With flexible payment options and five rate classifications to provide you with the best rate possible, Whole Life Insurance could be just what you need to provide your family with security that lasts a lifetime.

Whole Life Insurance offers two types of premium discount options and 6 optional coverages geared to customizing a policy just for you.

Term Life

Term Life Insurance provides low-cost level death benefit insurance for a 10, 20 or 30 year period. Several optional riders are available so you can tailor the policy to fit your needs. The minimum amount of coverage is $50,000, or $100,000 for non-tobacco users.

Permanent Life Insurance

This coverage provides long-term protection that may last your entire life while building cash value. Your can choose from a variety of optional coverages to create a policy that fits your needs including Traditional Whole Life, Single Pay Whole Life, Ten Pay Whole Life and Universal Life.

Simplified Issue Life Insurance

This tpe of life insurance does not require a physical exam or any medical tests. You only have to be able to answer "no" to a few questions on the application. The minimum coverage amount is $10,000 and the maximum coverage amount is $50,000,

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