Life insurance policies protect your children, heirs, and estate after you pass away. Increased coverages can even help to pay off your mortgage, preventing your family from having to deal with this heavy financial burden. Best of all, life insurance can protect your retirement during your later years, which would leave your spouse and children financially equipped to cover miscellaneous costs associated with your death, including burial and memorial costs. With all of these benefits, why wouldn’t you purchase coverage? Whether you purchase term life insurance or whole life insurance, we will help to ensure that you choose a policy that will give your loved ones the necessary financial assistance and peace of mind.
Term life insurance is typically offered and guaranteed over a certain number of years. Whether it’s 10, 15, 20, or 30 years, the minimum amount of term life coverage starts at $100,000, and increases in increments of $10,000. It is more widely purchased in the mainstream market because it tends to be much less expensive than whole life policies.
Whole Life Insurance policies (which are in effect until the person dies,) are usually more expensive than Term policies. Generally, during the first five years of most Term Life Insurance policies, they can be converted to Whole Life Insurance policies without a medical exam or a physician’s certificate.
Along with our term and whole life options, we also offer professional financial planning services to help you get your finances on the right track. We are an agency of independent brokers who offer top-quality financial planning via a strategic alliance with certified financial planners. Our services include any of the following: