Life Insurance

One method of leaving a legacy for your loved ones as well as providing financial security to them is through a well-constructed Life Insurance Program.  We have the availability of over 25 highly respected Life Insurance Companies to work with to help design that special plan for you as an individual or for your business.  We also offer Long Term Care Insurance, Annuities and Disability Insurance. 

Primary forms of Life Insurance are:

• Term Life Insurance—Term provides insurance protection for a specified period         of time.  This is the most cost effective form of Life Insurance and is available for             periods from 1 year to 30 years. 
• Universal Life Insurance--Universal life is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
• Whole Life Insurance—Whole Life Insurance is a form of permanent life insurance that provides basic coverage while also building cash value.  Coverage is provided for a person’s lifetime, assuming premiums are paid in a timely fashion.

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