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Find The Right Life Insurance Plan
Whether you need coverage for Burial, Final Expense or Whole life we are able to help you. We also offer help with Mortgage Protection, Term
Whole Life Insurance
Whole life insurance is a form of permanent health insurance. It provides coverage for your life and pays a death benefit, which allows you to make withdrawals over time to pay other health expenses or taxes. The premium may also be used to build a cash value that can be used toward paying claims if the insured passes away. All term policies are issued with an initial death benefit that increases with each age above 65. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate
Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate
TERM LIFE INSURANCE
Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.
Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. In other words, the only value is the guaranteed death benefit from the policy.
INDEXED UNIVERSAL LIFE INSURANCE
Indexed universal life insurance is a type of permanent coverage, which means it lasts your entire life and includes a cash value account that typically grows tax-deferred. Indexed universal life insurance works similarly to universal life.
You pay a premium in exchange for lifelong coverage and can use the cash value account to build an investment. Part of your premium payment goes toward the cost of insurance (covering your death benefit) and other fees, then the rest is added to your cash account
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