Life Insurance
Who Needs Life Insurance?
Not everyone needs Life Insurance! However, if you have people who depend on you, you may want to consider a life insurance policy to take care of those dependents in case something happens to you. You can use life insurance as a tool to protect your legacy and estate, or your business.
Term Insurance
Term Life Insurance provides coverage for a set number of time (usually 5, 10, 15 years). Term insurance will have a lower premium and is usually best for families with short-term needs, or as additional coverage.
Universal Life Insurance
Universal Life Insurance provides long-term, flexible coverage. The death benefit, premiums and cash value are not guaranteed. Due to this increased flexibility, the premiums for universal life can be lower than a whole life policy.
Whole Life Insurance
Whole Life Insurance provides coverage for life. This option provides the most predictability with a death benefit and premiums that will not change. The policy will grow cash value and has potential for growth through dividends.
Final Expense - Burial Insurance
Final Expense Insurance is a type of whole life policy that pays a relatively small death benefit designed to cover burial expenses, however the death benefit can be used for any purpose.
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We look forward to speaking with you. There is no cost to you for our services and no obligation. This is a solicitation for insurance.