Purchasing life insurance is not about being pessimistic or nervous about your future. In fact, having adequate life insurance help you embrace life and feel more confident every day knowing that your future is secure, and your family's interests are protected.
Whether you want just enough coverage to take care of medical bills and final expenses, or a larger amount to leave a legacy for your loved ones, let our knowledgeable, friendly staff guide you through the options. With over 30 combined years of experience, we have the expertise to help you select the policy that fits your coverage goals and your budget.
Shopping for life insurance coverage does not have to be a daunting experience. Visit our convenient location to discuss your needs so we can help you build the coverage approach that is ideal for you and your family.
Term Life – the most economical option for life insurance, term policies provide death benefit-only coverage for a set period. This type of insurance is generally in effect for 10, 15, 20, or 30 years, at the end of which the coverage lapses, or you have the option of converting it to a permanent coverage plan. Term plans usually have a fixed premium and offer lower death benefits, making them an ideal choice for those wanting just enough coverage for burial costs and basic final expenses.
Whole Life – more expensive than a term life policy, whole life policies usually have higher death benefits and remain in effect for your entire life as long as you pay the premiums. This type of insurance has the additional benefit of building cash value that you can borrow against for future needs.
Universal Life – the most customizable option for life insurance, universal policies build cash value like other whole life policies, but can be further personalized with a variety of riders such as long-term care. Flexible benefits and adjustable death benefits appeal to those with higher life insurance needs or who are adding a new policy to existing coverage.
Like auto insurance and health insurance, life insurance is a very personal matter that requires careful consideration and comparison to ensure you have selected the policy that is right for you. Your needs for insurance may change throughout your life, requiring modification of your coverage.
In some situations, adding a term policy to a whole life or universal policy is an ideal option for increasing your death benefits. Other circumstances, however, may make it more appropriate to convert your policy to a policy with new terms that better fit your current circumstances.
Discuss the options with us so that we can help you determine what is best for you. You can compare policies from several carriers to find the one that is right for you and your budget.