Insurance for Life

  • Term Life Insurance

    Term Life Insurance:

    provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and/or conditions

    If the insured dies during the term, the death benefit will be paid to the beneficiary.

    Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

  • Whole Life Insurance

    Whole Life Insurance:

    is a life insurance policy that remains in force for the insured’s whole life and requires (in most cases) premiums to be paid every year into the policy.

    Call an Agent today to answer the following questions

    • How do I take out a loan on my policy?
    • How do I report a death?
    • Who is a Beneficiary?
    • What is Income Tax Withholding?
    • How do I access my account or policy information online?
    • How do I change a beneficiary?


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  • Universal Life Insurance

    Universal Life Insurance:

    is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value.
    The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, and any other policy charges and fees which are drawn from the cash value if no premium payment is made that month.

  • Libility Insurance

    Liability Insurance:

    is a part the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.

    It is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract.


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