Life insurance can be of the most important coverage decisions you will ever have to make. We understand how important it is to protect your family’s future. With a multitude of carriers and plan options, we can help you navigate which strategy works best for you and your family.
- Term Life: Term life insurance provides protection for a certain period of time and allows the customer to select the duration of coverage and the amount of protection. The policy pays death benefits only if the customer dies during the specified term. This type of insurance is often the cheapest form of life insurance. There are several different types of term life insurance policies.
- Whole-Life: Whole Life Insurance is designed to provide coverage for the life of the insured. Whole life policies generally offer fixed premiums, guaranteed death benefits and are designed to build tax deferred cash value. There are several different types of whole-life insurance policies.
- Survivorship: - Survivorship life insurance covers the lives of two people, and pays benefits when the second person dies. It is often used by couples to fund estate tax liability, to pass an inheritance on to their heirs.
There are many other types of life insurance available (including options for those with health related issues). We are here to help you determine how much life insurance you need and what is best option to fulfill that need.