Plan For the Unexpected
Choosing a Plan
Most of my clients spend their lives growing their families, businesses and homes. Life insurance helps protect these important investments and is an important part of a balanced investment strategy.
We offer a comprehensive portfolio of competitive life insurance products that provide guaranteed coverage, may prevent financial hardships in the event of terminal illness or sudden death and help you feel more secure in uncertain times.
How much Insurance do I need?
Before buying life insurance, you should assemble personal financial information and review your family’s needs. There are a number of factors to consider when determining how much protection you should have. These include:
Why do I need Life Insurance?
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes.
What is universal life insurance?
Universal life insurance offers lifelong protection with the unique flexibility to adjust your coverage and premium amounts. The policy's cash value accumulates tax deferred and can be used for any purpose to meet your financial goals.
What is term life insurance?
Term life insurance offers temporary coverage for a set number of years and affordable, level premium payments. Term life insurance can help your loved ones cover short-term needs, such as paying off a mortgage, outstanding debts or education expenses.
What is whole life insurance?
Whole life insurance offers lifetime protection that builds cash value at a guaranteed interest rate. Permanent life insurance can help cover long-term needs, such as paying for final expenses, supplementing income, or paying off debts.
What is juvenile whole life insurance?
Juvenile whole life policies offer permanent protection by insuring the life of a minor or young adult to help build a strong financial foundation.
Why should I purchase children’s life insurance?
Lifelong protection
Guarantee future insurability – the child will have protection in place regardless of his or her future health
Supplement income/retirement.
Lock in childhood rates for life, making premiums affordable
Build cash value over the life of the policy, which can be borrowed against tax-free for any purpose
Provide an everlasting gift to mark a special milestone in the life of a beloved child or grandchild
Contact me to discuss the best Life Insurance Policy that fits your needs.