Life Solutions for You and Your Business

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Term life insurance policies provide affordable, temporary coverage.  Term policies contain no cash value and are designed for death benefit protection only.  The premiums may be level for the first 10, 15, 20 or 30 years, depending on the policy selected.  Because the death benefit protection is for a limited period, the premium is often the lowest of all types of life insurance policies.  However, after the level term period, premiums may go up significantly and increase annually. 

Whole life is the traditional form of permanent life insurance.  It provides the assurance of level premiums, a guaranteed interest rate and a guaranteed death benefit.  Whole Life provides the extra security of guaranteed protection at affordable rates, yet it includes the element of cash value accumulation.

Universal life is a flexible premium, adjustable life insurance product that provides the flexibility for choosing various features and adjusting those features as financial priorities and needs change.  The policy can have cash value that grows on a tax-deferred basis.  

Indexed universal life is a type of universal life that combines death benefit protection with the opportunity to grow cash value through an interest-bearing account.  The account credits interest based upon the upward movement of stock market indexes – without the risk of investing directly in the market.  The Indexed Account features a zero percent floor which guarantees your account won't earn less than zero percent due to poor market performance.  You may have options to choose or change the type of index to allow your cash value accumulation to grow according to the type of risks you are willing to choose.

Group Term Life Insurance is offered to employees while working for the company.  Rates increases usually every 5 years.  Coverage is in force until employee resigns or retires.  When employee retires or resigns, they may have the option to convert the policy to an individual policy.

Additional Optional Coverages:  Long-Term Disability and more....

Group Universal Life Insurance is offered to employees as an employer-sponsored permanent life insurance with level premiums.  Coverage is in force as long as premium payments are received.  Policy may be portable when employee resigns or retires from the company with no increase in premium.

More information coming soon....