Life Insurance
What is Life Insurance?
Life insurance can cover your mortgage or other loans, medical bills, and even tuition.
However, we know that when people buy life insurance, they are not just looking to make sure their family is taken care of. Life insurance is a way for you to pass on a legacy to those you leave behind – it’s something that will allow them to maintain their lifestyle if they need it, or even give them the opportunity to fulfill their own dreams and goals.
We understand that life insurance can be a difficult purchase to make. The idea of considering the future and how you’ll care for your loved ones is a hard one to think about. But if you buy life insurance, you’ll have the peace of mind knowing that your family will be taken care of even after you’re gone. You’ll also know that you can provide for them for years to come with financial security.

Why purchase life insurance?
- Income protection
- Pension Maximization
- For children, future insurability
- Final Expenses
- Estate planning
- Charitable giving
- SBA loans
- Key person life insurance
- Buy-sell agreements
Our Life Insurance Products

Term Life Insurance
Term life insurance is the most affordable life insurance you can buy. It is a great product for short-term needs, when you have other financial priorities.
We offer term life insurance from a variety of A-rated insurance companies. Lock in rates for a set amount of time with products like these:
10-year term life insurance
15-year term life insurance
20-year term life insurance
30-year term life insurance

Permanent Life Insurance
Unlike term life insurance, where premium guarantees only last for a certain period of time, whole life insurance covers you from day one with premiums that are locked in as long as you keep the policy. It’s meant to be there for your “whole life.”
Universal life insurance is another form of Permanent Life Insurance that is also meant to last your entire life. Like whole life, universal life insurance policies feature other benefits such as cash value.
While term life insurance may be less expensive in the short run, permanent life insurance can be a cost-effective way lock in financial protection over a longer period of time.
Call us today to see if permanent life insurance makes sense for you:
Universal life insurance
Whole life insurance
Single premium whole life insurance

Long Term Care Riders
One of the most overlooked aspects of a person’s finances is long-term care. This is expensive and will only get more costly as time goes on.
One solution to this problem is to add long-term care coverage to a life insurance policy.
Typically, a long term care rider is added on to a permanent life insurance policy.
We would be happy to give you more details – call us today for a consultation.