Life Insurance
Life Insurance Basics
Life insurance is a contract where you pay premiums (regular payments) to an insurance company, and in return, they agree to pay a lump sum of money (the death benefit) to your designated beneficiaries when you die. There are several types of life policies, including term life (which provides coverage for a specific period) and permanent life (which offers lifelong coverage and often includes cash value). Choosing the right policy depends on your individual needs and your family’s financial situation. We’ll help explain the details and search for coverage that fits your needs and budget. Contact us or request quotes to get started.
Life Insurance Coverage
Term Life
Provides coverage for a specified term, usually 10-30 years. Term is usually the lowest priced coverage.
Whole Life
Provides coverage until death or policy maturity (when the cash value equals the death benefit). Includes cash value that earns interest.
Universal Life
A versatile type of permanent coverage that offers more flexibility than whole life.
Return of Premium Term Life
Term coverage that returns the sum of premiums paid to the policy owner, upon expiration.
Instant Issue Term Life
Term coverage that can be issued with limited or no medical exams.
Estate Plan Funding
A policy that is designed to meet your estate plan needs.
Buy-Sell Funding
A policy that fulfills the requirements of a buy-sell contract with your business partners.
Life Insurance Discounts
Package
Pay-in-full
Auto-pay
Good health
Tobacco-free
Group membership
And more
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