Life insurance is a crucial step in planning for you and your family's future. It can fulfill promises and obligations to your family if you are no longer living. The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor.
There are also benefits to certain types of life insurance plans during your lifetime. The cash-value growth of a permanent policy is tax-deferred. You do not pay taxes on the cash value increases while inside the policy. The cash value earned and borrowed from a permanent life insurance policy can be used to help with emergency expenses, college costs or retirement income. Policy loans reduce cash values and death benefits.
Your need for life insurance is dependent on your personal and financial needs and goals. As your life changes, your life insurance coverage may need to be updated to adapt to your new needs. We offer a wide variety of coverages to provide what is right for you, now and in the future.
Term Life Insurance
Term Life Insurance provides protection for a specified period of time. Initially the cost is low for this type of plan, but premiums will increase as you age. However, these plans may be easily convertible to permanent coverage.
Permanent Life Insurance
Permanent Life Insurance consists of a variety of plans from fully guaranteed premiums, values and death benefits to complete flexibility of premiums, interest rates, underlying investment and death benefits options and anything in between.
Health insurance protects you and your family from unplanned medical expenses, as well as routine medical care. We can design a plan to cover comprehensive or specific medical treatment. We also offer short-term major medical for those times when you need to be covered for a limited time, such as recent college graduates or when you are between jobs.
If you do don't see what you need, please let us know. Your business is very important to us. If you have questions or would like to know about all the policies that we offer please contact our office.
Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.