Life Insurance
Protection for those you hold dear
Life insurance gives you the peace of mind of knowing that you can continue to provide for those who depend on you.
With the stroke of a pen, you have the power to change people's lives and create an instant estate for the loved ones left behind.
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Contact us today for a free consultation.
Term Life Insurance
The most basic type of life insurance, and typically the least expensive is Term Life Insurance. It's generally low Cost coverage for a temporary need. It can be an attractive option for many young couples and individuals.
If you looking to cover college cost, protect a mortgage or replace family income. Term Life insurance could be the perfect solution for you. Term Life covers you for a specific period of time (such as 1, 5, 10, 15, 20 or 30 years) and pays a death benefit only if you die during the term.
Whole Life Insurance
Designed to cover you through your entire lifetime, Whole Life builds cash value on a tax-deferred basis. The cash value can be accessed by the policy owner for emergencies, extra income, or college expenses, with any amount withdrawn and not repaid deducted from the policy's death benefit. Whole Life can include dividends which can increase the value of the policy or increase the death benefit to the insured's beneficiary.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) insurance is a type of permanent life insurance, which means it has a cash value component in addition to a death benefit. What makes IUL different is the way interest is credited to your policy. In addition to offering a traditional declared interest rate, IUL offers the opportunity to earn interest that is linked to the performance of a selected choice of market indexes.
Guaranteed Universal Life Insurance
Guaranteed Universal Life (GUL) is a type of permanent life insurance that offers a guaranteed no lapse rider guaranteeing the policy remains in force even if the cash value drops to zero. Upon the death of the insured, the lump sum death benefit is paid income tax free to the policy beneficiary.
Guaranteed Issue Life Insurance
A type of permanent life insurance, Guaranteed Issue or Guaranteed Acceptance life insurance are policies that are guaranteed to be issued. That means regardless of your health, you cannot be declined or turned down. However, guaranteed issue life insurance generally offers low death benefit options with higher than normal premiums.