Term Life Insurance
Most cost effective Life Insurance for temporary needs.
Unlike permanent insurance which lasts a lifetime, Term life insurance typically provides coverage which expires at a specific age or year. Premiums are guaranteed for a given period of time, usually 10, 20 or 30 years, depending on the plan selected. At the end of that period, the policy either renews at a higher premium for the next payment period or it terminates. Most term plans can be switched to permanent protection to cover your long term needs.
Whole Life Insurance
Permanent Protection with an investment component with tax-advantaged growth!
Provides participating whole life insurance that offers permanent protection with guaranteed premiums, cash values and death benefit. The cash value can be accessed to help fund education, renovate your home or even supplement your retirement income. Use it in any way you choose.
Children's Whole Life Insurance
Give them a head start for tomorrow.
Purchase a 20 Pay policy on your children or grandchildren today, and they will benefit from a paid-up base plan that provides insurance protection at a time when their needs are high but their discretionary income may not be.
Adding the Flexible Guaranteed Insurability Option rider guarantees their right to purchase, without evidence, up to $500,000 of additional insurance in the future, when major life events increase their need for insurance protection.