As your life changes each year so do your responsibilities. Life Insurance gives you the ability to protect your
family from the financial burdens they may encumber. Having the right amount of insurance is paramount and
we will find the right fit for you. There are 3 basic Life Insurance categories.
Each one comes with different benefits for you at any stage of your life.
Term
Term Insurance insures your life for a set amount of time . If you die before the end of the term, your
beneficiaries receive the entire sum of which you purchased. Term life insurance offers the greatest
amount of protection for the lowest cost.
Whole
Whole Insurance is permanent insurance, covering you for your entire life, no matter how long you live.
When you die, your beneficiaries receive a lump sum equal to the amount of the policy you purchased. A
whole life policy also earns interest and builds tax-deferred cash values, while building up savings
you can use on a permanent or short-term basis.
Universal
Universal Life Insurance is a flexible-premium, adjustable benefit, permanent life insurance policy
that accumulates account value. This can be expensive to receive, however, the flexibility of the
policy allows you to change the amount of premium payments as your needs for insurance change.
