Empowering you with your life and health insurance options.
The most valuable investment for your family’s future.
Individual life insurance is one of the most important ways to protect your loved ones’ financial security. The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to pay out. It may seem complex, but don’t let that discourage you—we’re here to guide you through your options and find the best fit for your needs.
What is term life insurance?
You pay regular premiums for a set period and the policy only pays out if you die during this period.
What is whole life insurance?
With whole life insurance, there’s no set period. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
What is universal life insurance?
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there’s any loan outstanding when you die, the policy’s payout can be significantly affected.
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As an independent agency, we are here to help you find the right coverage.
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