Three basic types of life insurance:

These policies are usually the lowest price option. They last for a specific amount of time, then end. They’re great for protecting assets (like a mortgage) for a specific period of time. They’re also fantastic options for ensuring your income is protected in your earning years. Coverage options range between $25,000 - $2 million

Please be aware - you must qualify medically, and because they have a time limit they are typically designed for those under 60 years old. While we have Term policies available after 60, the pricing goes up significantly and a permanent policy may be a better solution.

Speak with your insurance agent (that’s us) to determine your best options! Our job is to help you choose the best solution and option to fit your needs and budget!

These policies are with you for your entire life. They come in a variety of options, some with an investment piece to help build wealth.

These policies can build cash value that you may borrow against, should the need arise. These are excellent options for all ages and stages. Coverage amounts start as low as $1,000 and can go up to $2 million.

Universal policies are considered “flexible”. You may increase or decrease the monthly premium and the policy value may also increase or decrease. They are a fantastic option for children and young adults looking to build a retirement or savings for college or the future at a low cost without risk of stock market downfalls and protection from future income taxes. Think Roth IRA Merged with Life Insurance - best of both worlds!

Universal policies are also a great option for those 55-75 in great health who need a high coverage amount without the “term” price tag (Traditional Term Policies aren’t always the best pricing option after age 55).

Whole life policies have a set amount of benefit and monthly premium. They are the best option for final expenses. Participating whole life policies are also available to build higher cash values and wealth.

Getting a policy that will be with you for life means that when the time comes, your family is protected.

In America, the top 3 causes of death are heart related issues, cancer, and accidents.

The #1 cause of death for adolescents and young adults is accidents. Accidental coverage is so affordable, there is no reason that anyone should not have coverage for $7-15/month.

Get coverage that will help you pay the bills if you are diagnosed and still living with a critical illness. This coverage can help you pay high medical bills, and help when you’re not able to work due to a diagnosis of cancer, heart attack, stroke, etc…

These are available as one-off policies at a VERY affordable cost, and often can be included in a Term or Whole life policy.