With Whole Life insurance, we can make sure that your loved ones receive guaranteed benefits after you’re gone.

Some of the benefits of Whole Life insurance are:

• Fixed Premium: The cost of your policy will stay the same so you know what to expect.
• Dividends Options: Although not guaranteed, we have a history of paying dividends to our policy holders. 
• Fixed benefits: Feel good knowing your loved ones will receive their benefits on the terms that you’ve defined.

Fixed monthly payments and level payouts

As your kids grow up, and your mortgage is paid off, your financial needs change. With term life, we can help you have coverage options without the stress of a lifelong commitment. 

Some of the benefits of Term Life insurance are:

• Choosing your coverage: with an annual renewable term, you can get short term needs covered, at an affordable cost – 5, 10, 15, 20, 30 year term periods available. 
• Affordable coverage: only pay for the years when your family needs it the most.
• Adaptable: Coverage that can adapt to you, such as receiving benefits early to cover things like illnesses.
• Flexibility: Covert your coverage to permanent life insurance should your needs change. 

*subject to the policy’s conversion provision.

More flexibility but the same lifelong coverage

Similar to Whole Life, Universal Life is considered a permanent life insurance policy. So what’s different? Universal Life gives you the flexibility to adjust both your payments and payout amounts as your journey unfolds.

Some of the benefits of Universal Life insurance are:

• Flexible Payments: You may be able to adjust how much you pay into your policy as long as you keep enough available cash value.
• Flexible Benefits: You have the ability to increase or decrease your death benefits.
• Loan Access: You can borrow against the portion of your policy’s cash value to help you pay for the unexpected. 
• Optional Riders: Riders help you customize your policy with options like disability waivers, extending coverage and covering your kids. 

Earning opportunities that you can pass on

Your policy can be tied to a particular stock index, such as the S&P 500®, and earn credited interest based on its performance. As an added benefit, your policy will never be credited a negative interest rate. 

Some of the benefits of Indexed Universal Life insurance are: 

• Flexible Payments: You may be able to make adjustments to your payments as long as your policy has enough value.
• Flexible Benefits: Policies may allow you to increase or decrease certain benefits.
• Loan Access: You can borrow against a portion of your policy in order to meet unexpected financial needs. 
• Optional Riders: many policies offer riders that can be customized to help you accelerate benefits, change and even extend your coverage. 

There when you need it

Some of the benefits of Guaranteed Universal Life insurance are:

• Customize the Length of Your Guaranteed Death Benefits: Whether you only need coverage to a certain age or a guarantee that can last a lifetime, you can select the guarantees that work for you.
• Cash out the Policy at a Later Date if Your Needs Change: If your circumstances change or you no longer need life insurance, the Guaranteed Cash-Out Rider may be your way to restore financial stability. 
• Ease Financial Strain by Accelerating the Death Benefit: Should you become terminally ill, a full or partial accelerated death benefit may be available to you, providing an unrestricted cash benefit for you to use for any purpose.