Life Insurance

• Term is temporary insurance.
• Cover a specific need for a specific period of time i.e. between 5 to 30 years.
• Cost jumps up on each renewal.
• No cash value.
• Less expensive in the beginning, but becomes very expensive later in life.
• Expires at the end of the term or by the age of 85.
• Can be convertible to permanent insurance.
• Can be renewable without medical requirements.

• Whole Life provides a lifetime coverage
• Cost stays level or premium does not change.
• Guaranteed cash values and Non-guarantee cash value available
• Guaranteed “Quick Pay” options

Can pay annual dividends

• Very flexible Insurance plan.
• Flexibility in premium payments as well as death benefit
• Permanent coverage with savings component
• Save large sums of money in a tax sheltered investment
• Funds can provide a tax-free pension fund
• Investment earnings can be tax-free!

Guaranteed Issue life insurance is generally for clients who have health issues and who consequently have a hard time obtaining a standard or rated life insurance policy. There is little to no medical underwriting required for these types of plans.

Guaranteed Life Insurance products can also provide cash values & paid-up insurance options.

Please call us and we will search for a life company that will offer you the most protection for your family at a reasonable rate.
Because each client situation is unique, the best insurance plan is the coverage that is right for you based on your unique circumstances and financial goals.

Our qualified and licensed life insurance professional will assist you in your choice and decision-making.