– Life Insurance –

We’ll help you navigate your way through one of the most critical policy decisions you will ever have to make. In addition, we pledge to secure a custom life insurance plan on which you can depend— one that is exclusively tailored to fit your specific personal needs.

Term Life Insurance Basics:

• Coverage for a “term” or period of your life.
• Lower premiums for higher coverage.
• Rates can change after specific terms expire.
• No equity – cannot be used as cash value.

Whole Life Insurance Basics:

• Exactly what it says – permanent, not for a specific period.
• Protection stays with you for your whole life.
• Can build equity and have cash value.
• Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

• Build lifelong base of whole life coverage.
• Supplement specific times of your life with term insurance.