Life Insurance Plans


Financial Protection for You and Your Family

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Life insurance helps protect your family, business and finances. We provide low cost plans to help pay final expenses, bills and the kid’s education. We also offer more permanent solutions to help build and protect financial wealth and leave a legacy.

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Even though Term Life does not build a cash value, it will help pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. This type of coverage covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.
This type of life insurance policy helps you save for the future by building a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
If you’re lucky, you’ve probably never had to use critical illness insurance (sometimes called catastrophic illness insurance). You’ve maybe never even heard of it. But in the event of a big health emergency, such as cancer, heart attack or stroke, critical illness insurance could be the only thing protecting you from financial ruin. Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover.
Simply defined, an annuity is an insurance product designed to pay you an income over a period of time. In that sense, they are also considered investment contracts. And, they can help you grow your savings, inheritance, and retirement portfolio. In fact, they often provide you with retirement income that you cannot outlive. Payments may begin immediately, or at some future date in exchange for a lump sum payment, or a series of payments made prior to start of the annuity. Accordingly, it really depends on your needs on how you structure the annuity.   Annuities may arise as a result of a structured liability settlement.  They can provide either an immediate income stream, or an income stream at retirement (or other future date) that transfers some of the risk of you outliving your money (“lifespan uncertainty”), to the insurer.  
Annuities are complex with an array of product choices.  These could be fixed, variable or indexed. Additionally, they can be deferred, or immediate. And, they can be for both the qualified and non-qualified marketplaces.  In fact, many people are sold annuity products, but don’t really understand them.  Annuities are hard to understand.  We recommend you contact an experienced agent to discuss possible benefits, risks, and costs. Additionally, you may also discuss potential tax deferral advantages to see if annuities are a good fit for your financial plans. If you would like more information, please fill out the form to the right and submit.

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