Life Insurance

Today there are so many life changes, such as a new family member, marriage, divorce, estate planning needs, college tuition, mortgage protection, etc. that one needs to know they have enough life insurance coverage to take care of all of them.

Let us do a financial analysis to make sure that you can cover all of your needs and protect them with the right amount of coverage. Ask yourself, do I have the right amount of insurance to cover:

my mortgage?
any living expenses when my loved one passes away, such as outstanding bills, car loans and other liabilities?
to provide for my children if my spouse or I pass away?

Contact us and we will do an evaluation for you and offer you a competitive price on coverage based on the many carriers we represent. If you feel you have enough coverage, see if we can save you money on your existing policy. You’ve got nothing to lose and it’s good to get a second opinion these days, especially if you haven’t had a review on your policies in a while.

Term Life Insurance

Level premium for so many elected years (no cash value).It provides coverage for a specified and limited period of time(“term”). Premiums for most term policies increase with age or at the end of each renewal period. After the policy or term ends, there is no benefit payment if the insured person survives beyond the policy period.

Whole Life Insurance

Whole life or ordinary life insurance is a form of permanent life insurance. This means it can provide coverage for the life of the insured. It also can build cash value, which is a savings feature. Premium payments typically remain level for the life of the insured.

Variable Life Insurance

Variable life insurance, a variation of whole life insurance, offers a fixed premium schedule and a minimum death benefit. But it differs from traditional whole life insurance in that cash values are invested in portfolios of securities in an account separate from the general assets of the insurance company. A policyholder has discretion in choosing the mix of investments the policy offers. The insurance company does not guarantee investment returns and your cash value will fluctuate.

Index Universal Life Insurance

This type of policy has a cash value that is tied to the various indexes. It is not subject to the downside of the market though. Premiums are flexible, face value is guaranteed.

Universal Life Insurance

Universal life insurance can also provide coverage for the life of the insured, while at the same time providing flexibility in premium payments and in insurance coverage. The cost of insurance protection and, in some cases, other costs are deducted from the cash or policy account value.