We can help you plan a Life Insurance program that fits your needs and meets your goals.

 

 

Universal Life Policy

 

• With a Universal Life Policy, you can
• Accumulate tax-deferred savings
• Vary your premiums
• Vary your benefit
• Suspend payments periodically
• Universal Life Insurance locks in your insurability now, while you are healthy, and protects your loved ones, while you build cash for your future.

 

Index Universal Life Insurance

 

Index Universal life insurance has many of the features of universal life insurance with the additional benefit of taking part in the gains while the stock market is going up while being guaranteed to not lose money when the stock market is going down. A great way to supplement your retirement.

 

 

Term Life Insurance

 

Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years. Once the term is expired, you must renew it, often at much higher rates. The policy only pays a death benefit if you die in that period of time. Term Insurance often has specific rules about when and how you can renew the policy. Term Insurance rarely builds cash value. However, Term Insurance has the advantage of normally providing the highest death benefit for the lowest premium.

Ask us about a personal Life Insurance Review. We can help you determine which Life Insurance policy is right for you, and your loved ones. We will be happy to explain the differences in simple, easy to understand terms, help you determine the amount of coverage you need, and show you how simple it is to get started!