Term Insurance is a wonderful, affordable way to insure for a set number of years or to have added insurance during the years your home has a sizeable mortgage, your children are growing up, etc.  We can offer this insurance for terms of  10, 15, 20 and 30 years, if you qualify.  Many times our clients will buy term insurance as well as a permanent insurance such as Universal or Whole Life.

Whole Life is permanent insurance that will give you a specific premium and death benefit and it will last as long as you live.  You earn dividends and have a cash value on this type of insurance, which in later years can be a valuable tool.   If the cash value is high enough, you can borrow from it at low interest rates, use it to pay future premiums or annuitize it for an income stream.

Universal Life is another vehicle that will last as long as you live.  It is usually more expensive than term insurance but less expensive than whole life.  It builds a cash value and when funded properly, that you can utilize it like whole life policies.  The interest rates can fluctuate but cannot go lower than a certain guarantee.  If funded properly and cash values build, Universal Life gives you some leeway of not paying additional premiums, borrowing at low interest rates or giving yourself an income stream in later years, while still having a death benefit.  Let's build a Universal Life policy to fit your needs.

Many consumers have been dissatisfied paying term insurance policies for many years and at the end of the term period, have nothing to show and still need protection in later years. Then, to renew the policy, health and age and cost might prohibit replacing.  Universal Life and/or a combination of Term and Universal Life may be the answer to satisfy all your needs or a Guaranteed Life product that keeps the same payment for your entire life, as long as you pay the premium.