Life Insurance
Life, Long Term Care, Medicare, and Disability Insurance
Whole Life Insurance
A type of permanent life insurance that offers coverage, consistent premiums and a guaranteed return on the policy’s cash value.
Term Life Insurance
Life insurance that provides coverage at a fixed rate of payments for a limited time period.
Worksite Life Insurance (Business Owners)
The Worksite Plus Program gives employees access to participating Whole Life and Term Insurance. This Program enables employees to own and obtain life insurance for themselves, their spouse, children and grandchildren. It will not require medical exams or blood work.
(There is NO cost to the Business Owner, call for details)
Premier Choice Insurance
This policy provides $5,000-S50,000 Whole Life Insurance coverage with the guarantee of level premiums. Guaranteed cash value grows throughout the life of the policy.
Life insurance is a sensitive subject, but there’s so much more to it than the loss of life benefit. An effective life policy provides optional benefits and it could pay for itself over time. We offer two varying types of life insurance in term and whole life insurance.
Participating Whole Life allows the insured to participate in the profits of the company in the form of dividends, used to purchase additional insurance, which will increase the benefit and value of their policy. Participating whole life policies provide permanent coverage at a set cost, while also securing your rate for that policy coverage for one’s entire lifetime.
- Guaranteed Cash Value
- Guaranteed Death Benefit
- Guaranteed Premiums to Age 121
Term policies can address the short term needs of our clients, where as, whole or permanent policies better addresses the long term needs. Term policies provide low up front cost with high coverage levels, and protect insurability for the future. It provides an affordable financial solution to cover existing financial commitments, debt requirements, and long-term disabilities in the event that an unexpected circumstance occurs to the income provider for your household.
Some individuals believe if they have minor health issues or are aging, they cannot qualify for whole life insurance. There are still options to cover the final expense provided through our Premier Choice policy.
*Dividends are not guaranteed. Actual results my be more or less favorable.
*Subject to company carrier’s agreement
FUNERAL OR BURIAL INSURANCE
Designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses.
WORKSITE LIFE INSURANCE (Business Owners)
The Worksite Plus Program gives employees access to participating Whole Life and Term Insurance. This Program enables employees to own and obtain life insurance for themselves, their spouse, children and grandchildren. It will not require medical exams or blood work.
(There is NO cost to the Business Owner, call for details)
PREMIER CHOICE
This policy provides $5,000-$50,000 Whole Life Insurance coverage with the guarantee of level premiums. Guaranteed cash value grows throughout the life of the policy.