We offer terms of 10, 15, 20 or 30 years, with a guaranteed benefit. Coverage starts at $50,000. Premium payments are at a fixed rate for the term of the coverage, and the policy renews annually up until the age of 85 (depending on the insurance company). Our term life policies provide income replacement in the event of loss of life.

Premium payments are at a fixed rate throughout your life [up to age 100 depending on the insurance company]. Whole life policies differ from term life insurance in that the policy accumulates cash value over time and gives you the potential to earn dividends on your policy. The earnings on this policy are taxed deferred, and can be used to cover unexpected expenses for you or your family or can increase the death benefits paid to your beneficiaries. Our whole life policies provide income replacement in the event of loss of life.

Unlike whole life insurance, any savings accumulated can be used to pay your premium cost. Additionally, the premium, savings element and death benefit can be adjusted to fit your needs if circumstances in your life change.

The earnings on this policy are taxed deferred, and can be used to cover unexpected expenses for you or your family or can increase the death benefits paid to your beneficiaries. Our universal life policies provide income replacement in the event of loss of life.

Survivor universal life policies help you preserve your estate for your beneficiaries since the policy’s proceeds can be used to offset estate taxes and may be eligible to be passed tax-free to your beneficiaries. These policies are also useful in planning and setting up a charitable or special needs trust to provide for your heirs.