about us

What is Life Insurance?

A life insurance policy is a contract with an insurance company and the owner of the policy. To be considered eligible for an insurance policy, you must be able to show an insurable interest.

A life insurance policy is a contract with an insurance company and the owner of the policy. To be considered eligible for an insurance policy, you must be able to show an insurable interest.

The contract will outline in exchange for premiums, or payments, the insurance company provides a lump-sum payment, known as a death benefit, to the beneficiaries in the event of the insured’s death.
Depending on the needs and goals of the insurance policy owner, there are multiple options of insurance policies to choose from. Term Life Insurance covers an individual for a certain period of time, or term. There is also permanent insurance, such as whole life insurance and universal life insurance, which covers the insured for their lifetime.

Term Life Insurance

Designed to provide financial protection for a specific period of time, Term Life Insurance typically comes in 10, 15, 20, 25 or 30 year terms. In most cases, term life insurance’s premiums are level and guaranteed for that time. Once the period elapses, the individual is no longer covered and will not receive death benefits. Contact us today and ask about our Return of Premium term life insurance policy. In this policy at the end of the policy, some of our providers will pay you back the entire amount of premiums you paid into the policy.

Universal Life Insurance

Universal Life Insurance is one form of permanent life insurance designed to provide lifetime coverage for the insured. Typically universal life insurance policies are flexible and may allow the owner to raise or lower the premium or coverage amounts throughout the lifetime. Being a permanent life insurance, there could be a tax-deferred saving component to the policy, which could build wealth over time. Contact us today and find out how we could help you plan out a way for tax-free retirement using your Universal life insurance policy.

Whole Life Insurance

Whole Life Insurance another form of permanent life insurance designed to provide lifetime coverage. The premiums for a whole life policy are typically fixed and could yield cash value as the policy matures. The cash value that accumulates could be used as a savings component and in most cases is tax-deferred over time.

Term Life Insurance

Universal LifeInsurance

Whole Life Insurance

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Protection Period

Free Consultation

What is Life Insurance?

I Need Life Insurance Will Have A License Insurance Agent Contact You To Schedule An In Home Consultation:

Need Life Insurance?

Request a Quote