For Those Unplanned Happenings, Are You Prepared?

Even if you already have life insurance through your employer, you are most likely underinsured. If you would like the security of knowing that you have enough life insurance to make sure that you and your family are protected properly, contact us, and we can help provide guidance. We will help you decide which type of policy will be best to cover your needs.

  • Term Life Insurance – This is for a specified period of time and generally the most affordable way to purchase the most amount of coverage for the smallest cost.

  • Whole Life Insurance – This is a permanent policy that offers lifelong coverage in connection with a cash value account. This type of product is generally more expensive than term, but it is designed to continue for an indefinite period of time.

  • Universal Life Insurance – This is similar to Whole Life Insurance, but the cash value is tied to the market rate of return. This product is more flexible than whole life as you can make a change to your premium payments and death benefit to a certain degree.