What is Life Insurance?
A contract between the insurance company and policyholder where the policyholder promises to pay a monthly payment, and in exchange the insurance company promises a pay out to the beneficiary when the insured of the policy passes away.
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Term Life Insurance vs Permanent Life Insurance
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Term Life Insurance is temporary insurance. It helps provide protection for a set time (Often 10 to 30 Years).
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Permanent Life Insurance provides protection throughout your lifetime. As long as you pay your premium, you will be covered. Most permanent policies can build cash value. Cash value is a savings component that is part of the policy which earns interest that you can borrow against or withdraw from while you’re living.
Life Policies
Brief Description of the Products We Offer
Term Life
Affordable coverage that helps protect your family by replacing your lost income in the event of your passing. Term life lasts for a set amount of time and its payments will not increase. Some term insurance offer living benefits like terminal, critical, and/or chronic illness riders.
Whole Life
Whole Life is a permanent insurance coverage which offer's guaranteed level premiums, and either a level, or graded death benefit. These policies build cash vaule that you can eventually take a loan.
Index Universal Life
Universal life is a permanent, flexible insurance coverage. clients have the ability to adjust monthly payment and the death benefit, as well as accumulate cash value