LIFE INSURANCE.

IT ISN'T FOR YOU,

IT'S FOR THE ONES YOU LOVE.

LIFE INSURANCE IS A CONTRACT BETWEEN AN INSURANCE POLICY HOLDER AND AN INSURER, WHERE THE INSURER PROMISES TO PAY A DESIGNATED BENEFICIARY A SUM OF MONEY IN EXCHANGE FOR A PREMIUM, UPON THE DEATH OF THE INSURED.  IT CAN BE USED TO HELP EASE THE FINANCIAL BURDEN OF YOUR DEATH.  IT CAN SEND YOUR KIDS TO SCHOOL, PAY OFF THE HOME MORTGAGE TO ENSURE YOUR SPOUSE  WON'T HAVE TO MOVE, AND SIMPLY HELP YOUR SPOUSE  LIVE IN A COMFORTABLE LIFESTYLE.    LIFE INSURANCE IS FOR THE ONES YOU LOVE.

TERM LIFE

TERM INSURANCE PROVIDES LIFE INSURANCE FOR A SPECIFIED TERM, AND IS SIGNIFICANTLY LESS EXPENSIVE THAN AN EQUIVALENT PERMANENT POLICY.  MANY TERM POLICIES CAN BE CONVERTED TO PERMANENT POLICIES AT A LATER DATE WITHOUT FURTHER MEDICAL UNDERWRITING.

WHOLE LIFE

WHOLE LIFE INSURANCE PROVIDES LIFETIME COVERAGE FOR A SET PREMIUM, WHERE THE PREMIUM WILL NEVER INCREASE.  THE OWNER CAN ACCESS MONEY IN THE CASH VALUE THROUGH WITHDRAWING MONEY, BORROWING THE CASH VALUE, OR RECEIVING THE SURRENDER VALUE.

UNIVERSAL LIFE

THIS PRODUCT IS INTENDED TO COMBINE PERMANENT INSURANCE COVERAGE WITH GREATER FLEXIBILITY IN PREMIUM PAYMENTS, ALONG WITH THE POTENTIAL FOR GREATER GROWTH OF CASH VALUES.

LEGACY

YOU CAN LEAVE A LEGACY TO YOUR LOVED ONES.  LIFE INSURANCE AVOIDS PROBATE AND GENERALLY CAN BE LEFT TAX FREE.

A TAX FREE BENEFIT

PROCEEEDS OF MOST LIFE INSURANCE POLICIES ARE DELIVERED TO THE BENEFICIARY ON A TAX FREE BASIS.  CASH VALUE INCREASES OFTEN ARE NOT TAXABLE AS WELL, PROVIDING A LEGITIMATE AND LEGAL TAX SHELTER.

CALCULATE YOUR  LIFE INSURANCE NEEDS

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LIFE INSURANCE NEEDS CALCULATOR

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