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Life Insurance

Universal life insurance is a flexible kind of life insurance that provides a death benefit and also has the potential to accumulate tax-deferred cash value. The policyholder has the right to borrow or withdraw from any available cash value and, within certain limitations, can make coverage and premium adjustments.

Universal Life Insurance

Whole life insurance is the most common type of permanent insurance. As long as the premiums are paid the policy will remain in force and will provide life insurance coverage for your whole life. The premiums remain constant over the life of the policy and are paid according to a premium schedule indicated in the policy.

Whole life insurance is an excellent protection solution for consumers across the life stage spectrum. Whether its young adults just beginning an insurance program, families needing protection while saving for the future, or a mature consumer who needs guaranteed protection for final planning objectives; whole life makes great financial sense. Planning today for tomorrow’s goals ensures a secure financial future for your family.

Whole Life Insurance

Term life insurance provides death protection for a stated time period, or term. Term life insurance is perhaps the simplest form of life insurance. It was developed to provide temporary life insurance protection on a limited budget. Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as life insurance coverage to pay off a loan, or providing extra life insurance protection during the child-raising years.

In most states, carriers offer term insurance policies providing level premiums for 5, 10, 20, 25, and 30 year periods. These policies can be renewed or continued at higher premiums in most states.

Term insurance is like leasing a car. You purchase death benefits for a specified period --usually 5, 10 or 20 years. When the period is over, it's like turning in the leased car. The deal is done and you walk away. Term insurance pays a specific lump sum to your designated beneficiary if you should die during the term of the policy. The policy protects your family by providing money they can invest to replace your salary, and to cover immediate expenses incurred by your death.

Permanent Life Insurance

Term Life Insurance

Finally, we offer guidance on how to take the first step in planning a comprehensive life insurance solution - one that protects your family against loss if you die, but also addresses your retirement needs if you live.

There are two general categories of life insurance: term and permanent

There are many issues that need to be considered when properly tailoring a comprehensive insurance solution to fit your specific needs. We are here to help you every step of the way.

* The above descriptions are generalizations and should not be relied upon when determining coverage. You must refer to actual policy wording when determining whether or what type of coverage applies

Return of Premium Term is ideal for individuals interested in basic term protection but hesitant to purchase life insurance. By choosing the 15, 20 or 30-year Return of Premium Term plan, a death benefit is there if you need it. If the benefit is not needed, you will receive a 100 percent return of all base premiums paid at the end of the term period, as long as your policy remained in force for the full term.

Return of Premium Term offers you the best of both worlds - affordable protection if you need it, money back if you don't. Because of this, many value-driven consumers choose this unique solution for their life insurance protection.

Money Back Option

Permanent, or "Cash Value," Life Insurance is like buying the car you plan to drive forever. As long as you pay the premiums, permanent insurance stays in force as long as you live. It provides protection for your dependents by paying a death benefit to your designated beneficiary upon your death. In addition, a portion of your premiums are deposited into a tax-deferred cash value account that you can use while you are alive. Whole Life Insurance, Universal Life Insurance and Variable-Universal Life Insurance are examples of permanent life insurance.

Life insurance provides financial security for your loved ones when they need it most. With the right planning, you can help ensure your family’s finances are protected if you aren’t there to provide for them.

The death benefit from a life insurance policy can help replace income, pay expenses, and help achieve your family’s financial goals after your death, including:

  • Mortgage or rent payments
  • College savings/tuition for your children
  • Monthly bills, expenses and childcare costs
  • Auto loans, credit card balances and bank loans
  • Retirement funding for your surviving spouse
  • Funeral expenses, estate taxes and final medical expenses