Life Insurance

A life insurance policy can help your loved ones pay college tuition, mortgage payments, and even help cover retirement income gaps in the event of your passing. And some of our permanent policies offer the opportunity to build cash value, which you’re able to use however you’d like.

How does life insurance work?

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy. Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

Do I need life insurance?

If you have anyone that depends on you financially or if you don’t want to leave your loved ones with burial costs or debt, then the answer is yes. And if you’re just starting out and want to lock in an affordable rate for when you have a family, different types of life insurance can help with that, too.

Life insurance might be right for you if...

You want to provide for your loved ones

Your family means the world to you and you want to help make sure they’re taken care of after you’re gone.

You want your family to stay in their home

You want to help ensure your mortgage is paid after you die so your family doesn’t have to leave the home they love.

You want to make sure your kids go to college

If something happens to you, you want to help your kids get a quality education…just the way you planned.

You don’t want to leave your family in debt

You know there may be bills to pay after you’re gone. And you don’t want your loved ones to have to pay your final expenses.

There are two basic types of life insurance

Term Life Insurance

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.

Typically, proceeds from a term life insurance policy may be used to cover needs like:

Pay off the mortgage on your home
Provide an emergency fund
Help provide for a child's education fund
Pay off personal debts

Permanent Life Insurance

Provides protection that lasts a lifetime or for the life of the policy. It may build cash value that can be used even when you are living.

Typically, permanent insurance is used to cover long-term needs like:

Pay for final expenses
Provide an ongoing income for your family
Supplement retirement income
Fund an estate or business continuation plan

Find a plan to fit your need

Determining how much life insurance you need doesn’t have to be difficult. Let us help.

Let’s Talk

Call to schedule a free consultation: 480-229-3715