What is Term Life Insurance..?

Term is the simplest form of life insurance. The least expense and least complicated form of life insurance. Coverage is for a fixed amount of time... usually one to thirty years... and the beneficiary receives a fixed sum if the insured dies during the term. At the end of the term the policy expires and coverage ceased... however... term life insurance can be renewed.  Term life is the a good choice for individuals who who are looking for temporary coverage.

What is Whole Life Insurance..?

Whole Life provides both a death benefit and a cash value. A fixed premium is charged over the length of the contract. Over time the policy increases in tax deferred value. Most policies provide a dividend to the policy holders which helps with retirement.

What is Universal Life Insurance..?

Universal Life is the most flexible of all life insurance plans available today. As the policy owner you are primarily in control of your policy and may increase or decrease the premium as well as the death benefit to best fit your needs. If handled correctly a Universal Life policy can be a very effective financial planning tool. ime of death. One added benefit of a Universal policy is the ability to skip payments if the need arises.

What is Variable Life Insurance..?

Variable Life allows the policy holder to tie the accumulated value of their policy to the financial markets. While these policy enable a higher return... they also increase risk as down markets occur. You can borrow against a variable policy

What are Premiums..?

Premiums are the periodic payments (Usually monthly or quarterly) that the policy holder pays to the insurance company to purchase and keep a policy in force.