Personal Insurance Protect Your Future Today

Individual Life Insurance is a smart decision for anyone at every stage of life.  Find the life insurance plan to meet your needs and future goals.  Talk to an agent today about how life insurance can help you:

• Provide living benefits when you need it
• Provide home protection for homeowners
• Provide an estate plan and building your legacy for future generations
• Plan for your retirement and provide a risk reduction asset
• Protect your business through key-man insurance

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. 

 Universal life is a flexible permanent life insurance policy that combines a death benefit with a cash-value account earning interest. Policyholders can adjust premium amounts and the death benefit (subject to insurer approval), allowing for short-term affordability or long-term growth. Cash value grows based on credited interest (or market/index performance for indexed/variable UL products), and can be accessed via withdrawals or policy loans. Features include flexible premium timing, potential to increase or decrease coverage, and the need to monitor cash value to avoid lapses. Suitable for clients who want permanent protection with premium and benefit flexibility. 

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.