Life Insurance

Why would I need Life Insurance?
  • Death Benefit
  • Long Term Care
  • Mortgage Protection 
  • Estate planning needs
  • College planning
  • Retirement Planning
Types of Life Insurance
Term Life Insurance is a basic insurance payable to beneficiary upon death to cover specific needs for a period of time between 10-30 years with no cash value.

Whole Life Insurance provides a simple permanent policy to last your entire life with a cash value component with a death benefit and premium that remains the same for life as long as the guaranteed premiums are paid.

Universal Life insurance is a permanent life insurance policy that you can raise or lower the premium amount paid into the policy within the limits of the policy and can adjust to different life circumstances.

Indexed Universal Life Insurance is a permanent policy that has flexible premiums and higher cash value component to it. 
Depending on the policy, you can add additional Riders such as:
Long Term Care
Chronic/Critical and Terminal Illness

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