Life Insurance

Life insurance is crucial to protecting your loved ones. No one can predict tomorrow. That's why being prepared and making sure those closest to us are taken care of is critical.  Life insurance provides true peace of mind when it's in place for those you love most.

We have access to the top 50 life insurance carriers. We'll find you the best product and the right coverage. 

Some Reasons you should establish a new life insurance policy:

• You were recently married
• You recently welcomed a new child
• You purchased a new home
• A parent or family member now lives with you and depends on you
• You are planning for your child’s education
• You are concerned about retirement income
• Your spouse’s health has deteriorated
• You are young and healthy and expect to get married in the next couple of years

There are several different types of life insurance products available – the most common include:

• Term Life Insurance: Term life insurance provides protection for a set period of time. If you do not have any life insurance, it’s the perfect place to start. It’s typically less expensive than permanent (whole) life insurance, and has fixed premiums for a set term. Furthermore, term life insurance can typically, depending on the plan, convert to permanent coverage, providing you with flexibility as your needs change.
• Whole Life Insurance: As long as you make the agreed upon payments each year, a whole life insurance policy remains with you for your entire lifetime. Whole life insurance can be an investment opportunity, as many whole life insurance policies have the option to build cash value over time.
• Universal Life Insurance: Universal life is a type of permanent life insurance with flexible premium options and face amounts. This insurance policy can build cash value, which earns an interest rate that may adjust periodically, but is guaranteed not to fall below a certain percentage.

Key Benefits to Know about Life Insurance:

• Life Insurance Payouts are tax-free for your loved ones.
• The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn.

 Let's talk today to make sure you and your family are properly protected.