Life Insurance

• Term Insurance – Available in various terms, this is an affordable insurance solution. The premium remains level for the specified term and automatically renews at the end of the term.
• Term-100 – This type of policy is similar to a regular term policy (ex. 10-year term) but the term is 100 years which makes it a permanent policy. It differs from other permanent policies, such as Universal or Whole Life in that it does not provide a savings/earnings component. Premiums are usually a level amount and are due for the duration of the policy.
• Whole Life – Whole Life Insurance provides you a guaranteed life-long insurance protection and death benefit for your family. It also allows the policy to accumulate cash value at a guaranteed rate on a tax-deferred basis so that you can use it during your lifetime. The cash value in your policy can be borrowed against for any purpose and at any time. It is an ideal long-range planning tool.
• Universal Life – Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates an account value on a tax-deferred basis. It is the most versatile of all life insurance types and can be tailored to meet any situation.