Life Insurance

family on beach at sunsetProtecting Your Family

Life insurance, annuities, long term care and disability income protection are all products you will rely on many years into the future. Stability is the most important factor to consider when entrusting your future with a life insurance company.

Life Insurance
One of life’s rewards for working hard and saving for a rainy day is achieving financial security. One of life’s realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.

Whole Life Insurance
Provides level death benefit protection with level premiums and guaranteed cash values. Whole Life is a perfect option to start saving for your children’s college fund, for your retirement, or for your final expense needs.

Term Life Insurance
Term insurance provides coverage for a specified period of time such as 10, 20 or 30 years. A great option if you want an affordable, short-term policy that’s in tune with where you are in life. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value

Return of Premium Term
You may only need to protect your family from long-term expenses such as the mortgage, your children’s education, or a home equity loan. It offers a level premium payment term of 20 or 30 years, whichever you choose. And if you outlive that level premium payment period, you’ll get all the policy premiums you’ve paid back at the end of the term. A guarantee like that makes it easier to give your loved ones the financial protection they need.

Group Life
Group term life insurance helps you protect your employees’ families and their assets at minimal cost to you—and without added administrative burden. Whether based on salary multiples, flat amounts, incremental amounts, or employee class, we will help you design a plan with standard and optional features that fits your company’s needs, and makes your company’s group term life coverage even more attractive to employees.

Other Coverages:

Annuities
Deferred annuities offer a distinct advantage over typical saving programs. They can offer you an income stream you cannot outlive in retirement, and interest earnings accumulate tax deferred.

Long Term Care
Long term care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home.

Disability Insurance
People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums and entertainment. Their ability to earn an income is their most valuable asset. If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future. Other forms of income such as Medicare and Medicaid offer limited protection and likely won’t cover a complete loss of income.