WHOLE LIFE & TERM INSURANCE

LIFE INSURANCE PROTECTION

Whole-life insurance is a policy also known as permanent insurance, which provides coverage for a lifetime.  It can also provide cash value accumulation, and potentially a dividend.  A term insurance policy covers a length of time such as 10, 20, or 30 year periods for a fixed premium.  There are advantages to each type of life insurance policy, and whether you choose whole-life or term depends on many factors.  We can assist you with options to discuss your specific life insurance need.

LEAVING A LEGACY

No one wants to discuss death, but its inevitable and we all have to prepare for it.  With our life insurance products, you'll be sure to invest in a program to fully protect your assets and leave a legacy for the ones you love.  There are many life events that trigger a need for life protection:


  • burial expenses- can cost tens of thousands of dollars
  • getting married- to protect your spouse from being saddled with extraneous overhead
  • buying a home - if one spouse passes away and there is a loan, life insurance can cover the mortgage payment
  • starting a family- Ensuring the quality of life for your loved ones left behind
  • college tuition- if a parent is going to pay for school, and that parent passes away, life insurance covers the tuition
  • estate protection- it provides money to a beneficiary without a taxable event
  • tax-free transfer of wealth- some life insurance benefits can be received tax-free to beneficiaries
  • leaving a legacy- ensuring your family's financial future 
  • business buy/sell agreements- partnerships and business continuation