Whole Life Insurance
Death Benefit | Cash Value | Opportunity to Earn Dividends
Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you earn guaranteed cash value, which you can use however you want. Participating whole life insurance is eligible to earn dividends2, which can increase the death benefit and the cash value of the policy. Or there are other options you could choose, such as using dividends to help pay premiums.
Term Life Insurance
Death Benefit | Affordable Coverage | Convertible
If you’re sure you want life insurance, but aren’t sure you can afford it, a term life insurance policy may be a great option. Term life is affordable and your premium payments remain the same for the amount of time that works best for you, such as 10 or 20 years. This way, you decide how long your loved ones need financial protection. And if those needs change, many term policies have the option to convert to a permanent life insurance policy.
Death Benefit | Flexible Premium | Build Account Value
Your life changes, so you need options that can help you keep up. A universal life insurance policy offers permanent life insurance with flexible premiums. This allows you to adjust the amount you pay each year – even month to month – as long as you have enough account value. You may also choose a policy with a guaranteed death benefit, which means your family is guaranteed to receive a lump sum of money in the event of your passing.
Variable Universal Life Insurance
Death Benefit | Flexible Premium| Investment Options
We know that choice can make all the difference. So if you want a permanent life insurance policy that lets you make your own investment choices within your policy, consider variable universal life insurance (VUL). VUL allows flexible premium payments, allowing you to choose the amount and the frequency of your payments within certain limits. A VUL policy provides access to many different investment options, which allows you to choose options that align with your goals and tolerance for market and investment risk.
Disability Income Insurance
Income Protection | Retirement Protection | Customizable Coverage
You have people that depend on you financially, college tuition to cover, and mortgage payments to make. So if you rely on your income, then you should know that disability income insurance can help you protect 45 percent to 65 percent of your income should you become too sick or hurt to work.
Auto, Home, Dwelling Fire & Umbrella
Protect your assets from the unexpected through a variety of property and casualty personal line insurance. We can help you explore options that may be right for you. Call us today for your property & casualty insurance quote.4