Life Insurance

Turn "I Will" Into "I Did"

You can’t predict the future, but you can help plan for it. Life insurance can help you fulfill promises you’ve made your family when you are gone. While it's not something we want to think about, death can leave a significant financial toll in its wake.


It's important to protect your loved ones financially in the event of your passing. Don’t leave the future of you and your loved ones to chance. We will find a policy that fulfills your family’s future needs.

You can use life insurance to pay for the following:

 Paying off your mortgage

 Children’s education

 Daily living expenses

 Cosigned debts

 Funeral expenses

Types of Life Insurance

Term Life Insurance

Term life insurance provides protection for a specified period of time. Term can be a good place to start.


It’s generally less expensive than permanent (whole) life insurance and is available in varying time durations with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.


Moreover, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance

Whole life insurance is a type of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.


Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

Universal Life Insurance

Universal life insurance is a type of permanent life insurance.


With a universal life policy, the insured person is covered for the duration of their life as long as they pay premiums and fulfill any other requirements of their policy to maintain coverage.

Benefits of Life Insurance

Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, Life Insurance offer other benefits and investment opportunities that you can take advantage of while you are living.

Life Insurance Death Benefit 

When you pass away, your life insurance provides tax-free income to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits 

The cash value growth of a permanent or whole life insurance policy is tax-deferred – which means you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

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