Life Insurance

 Life insurance is a crucial step in planning for your future 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.

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• Term Life Insurance:  This type of life insurance provides you with protection for a specific period of time and pays a death benefit only.  Term life insurance generally provides you with the largest protection amount for your premium dollar.
• Whole Life Insurance:  This type of life insurance covers you as long as you live and your premiums are paid.  Whole life insurance accumulates a cash value that you can borrow against or use to pay premiums for a limited time.  This type of policy is  more expensive than term life insurance.

Life insurance is subject to medical underwriting so all quotations provided are subject to change.