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Life Insurance

Choice is a good thing

We offer many different types of life insurance to suit a variety of needs and situations. How you would like to provide for your loves ones is up to you.

  • Whole Life

  • Term Life

  • Universal Life

  • Indexed Universal Life

  • Guaranteed Universal Life

Whole Life - A lifetime of protection

Whole Life options come in a variety of offerings including:

  • 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 you've defined.

Term Life - Fixed monthly payments and level payouts

People choose Term Life for a variety of reasons:

  • Choose Your Coverage - With our Annual Renewable Term (ART) you can get short term needs 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 most

  • Adapts to You - Coverage that can adapt to you, such as receiving benefits early to cover an illness

  • Flexibility You Need - Convert your coverage to permanent life insurance if your needs change

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The minute you realize that someone depends on you, everything changes. Life Insurance gives you the peace of mind to know you'll always be there for your loved ones.

Universal Life - More flexibility but the same lifelong coverage

Like 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. Providing you:

  • Flexible Premiums

  • Flexible Benefits

  • Loan Access

  • Optional Riders

Indexed Universal Life - 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.

Guaranteed Universal Life - There when you need it.

  • Customize the Length of Your Guaranteed Death Benefit

  • Cash out the Policy at a Later Date if Your Needs Change

  • Ease Financial Strain by Accelerating the Death Benefit