Life Insurance

Life Insurance has many uses!

1) Protect your loved one's financial future 2) Grow your wealth for retirement 3) To be used in a financial emergency 4) Business owners & partners 5) give you and your loved one's peace of mind

  • Term Life Insurance: These policies are typically less expensive than whole life insurance policies because they offer temporary coverage for a select period of time. A term life insurance policy is perfect for someone who has short term financial goals to tend to, such as seeing their children graduate from a university. These policies do not accrue cash value or act as an investment tool.
  • Whole Life Insurance: These policies are a little more expensive than term life insurance policies because they offer lifelong coverage. A whole life insurance policy accrues cash value over the years, providing you with both a death benefit and cash savings advantage. Whole life insurance can also give you living benefits such as a rider that includes long-term-care insurance.

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  • Build wealth
  • Birth of a baby
  • Getting married
  • Buying a home
  • Being promoted at work
  • Replace lost income
  • Help pay for future expenses
  • Pay for final expenses
  • Death benefit
  • Period you need the insurance
  • Living benefits such as long-term care, chronic illness
  • Supplemental income in the future
  • Premium that you’re comfortable with.
  • Pay off mortgage
  • Dividend potential
  • Feeling of security
  • There is no cost to use a broker.
  • A broker can compare many companies and plans and explain the differences to you. A company agent only knows their plans and can only offer their plans.
  • A broker continues as an advisor to you. 
  • If you have questions or issues, your broker is an additional asset that you can rely on and understands the plan you are on.

There are four major types of life insurance policies.

  • Term Life Insurance
  • Universal Life Insurance
  • Variable Life
  • Whole Life Insurance

Yes, life insurance is based on mortality, your life expectancy. Your health condition and age can cause you to be declined for life insurance. A broker can research different companies that may accept you due to your condition.


For more information to help make a good decision about life insurance you can 

call 800-641-3315 or

Click on the button below to set a convenient time for you.