Life Insurance

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LIFE INSURANCE

LET US EDUCATE AND ADVISE YOU ON AVAILABLE PRODUCTS TO SUIT YOUR NEEDS, AND TO ENSURE THAT THOSE WHO ARE DEPENDING ON YOU ARE FINANCIALLY SECURE.


TERM


Term life insurance is a policy that pays a benefit in the event of the death of the insured during a specified term.

WHOLE/PERMANENT


Whole or permanent life insurance is a policy that does not expire, and combines a death benefit with a savings portion.

UNIVERSAL


Universal life insurance is a type of permanent life insurance in which the excess of premium payments above the current cost of insurance is credited to the cash value of the policy.

VARIABLE LIFE


Variable life insurance is a permanent life insurance policy with an investment component.

LIFE WITH LONG TERM CARE RIDER


Life insurance with a long term care rider allows the acceleration of death benefits from an insurance contract to pay for long-term care expenses incurred by a “chronically ill” insured.