Life is full of risks. While no insurance policy can guarantee a long, healthy or prosperous life, the protection you receive with life insurance coverage provide a greater financial security in the face of life's serious risks. We would like to provide you with a safety net, and you become the "Hero" to your family.
We have different types of life insurance to meet your needs: our most popular varieties are term and universal.
Term Life insurance is like renting your coverage, you never own that policy. You purchase it for a10, 20, or 30 year period when your liabilities are at there highest such as, a mortgage and education for your children. It is designed for your premature death. It does not accumulate cash value like permanent life insurance.
You have a choice of $50,000 to $1,000,000 to fit your own financial needs. We work with several carriers that can provide us competitive rates. It will not only give your family protection but guarantees premium rates will not change during the length of the policy.
Universal Life makes it possible for you to adjust your life insurance protection as your needs change. As your family grows, your business expands, or your income and responsibilities increase, your life insurance coverage can evolve to fit your new circumstance. These are permanent life policies that build tax-deferred cash value.
This plan provides flexibility to change coverage or premiums. Preferred policy loans and guaranteed interest rates. It has income tax-free death benefits for beneficiaries, insurance protection for your entire life, two death benefit options, level or increasing.
