We can help you understand and choose from several types of life insurance, including:
Term Life Insurance
Affordable coverage for a specific period (e.g., 10, 20, or 30 years ). Ideal for covering temporary needs like mortgages or income replacement during child-rearing years.
- Lower premiums compared to permanent insurance
- Simple to understand and purchase
- Coverage when your financial obligations are highest
Whole Life Insurance
Lifelong coverage with a cash value component that grows over time. Offers guaranteed premiums and death benefits.
- Permanent protection that never expires
- Builds cash value over time
- Fixed premiums that won't increase
Universal Indexed Life (UIL) Insurance
A type of permanent life insurance that offers flexible premiums and death benefits, with cash value growth tied to a stock market index, offering potential for higher returns with downside protection.
- Potential for higher cash value growth
- Downside protection against market losses
- Flexibility in premium payments and death benefits
Term with Living Benefits
A term life policy that includes riders allowing you to access a portion of your death benefit while still living if you experience a qualifying chronic, critical, or terminal illness.
- Financial protection for your family after death
- Access to benefits while living if seriously ill
- Affordable way to get comprehensive protection