Life Insurance

---

Life Insurance can be one of the most important building blocks to the foundation of a family's financial protection. Whole Life policies with level premiums can assist, while living,  as they build cash value that may be used during your lifetime or saved to provide financial protection and security to your chosen beneficiaries. 

The most affordable and budget friendly option that provides protection for a specific period of time and can be purchased in periods of 10 to 40 years. Customize your policy by adding Term Riders that are stacked on top of basic policies for 10, 15 or 20 years.

• Term Riders will automatically drop off at the end of the additional insurance rider coverage period
• When a rider expires, the premium due and total coverage will be reduced by the Term Rider amount 
• This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time 

Universal Life provides more flexibility than Whole Life Insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. Unlike Whole Life Insurance, Universal Life allows the cash value of investments to grow at a variable rate that is adjusted monthly.

Guaranteed Life Insurance provides an easy and affordable way to obtain up to $25,000.00  in permanent Life Insurance protection to help cover funeral costs, pay leftover medical bills or other outstanding final expense debt. Your acceptance is guaranteed, regardless of your health history and will ease the financial burden placed on a family or loved one.

• Issue ages: 50 to 80 years old 
• No medical exam and no health questions
• Premiums never increase as long as payments are current