Life insurance isn’t just a policy—it’s a promise to the people you love most. In the face of life’s uncertainties, it can provide the security your family needs to keep moving forward. From paying the mortgage and everyday bills, to keeping a family business alive, funding your children’s education, or protecting your spouse’s retirement dreams—life insurance helps ensure your family’s future is never left to chance.
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Planning ahead today means giving your loved ones peace of mind tomorrow. If you’re ready to take that step toward securing your family’s financial future, we’d be honored to sit down with you, review your options, and help you build a plan that protects what matters most.
​Types of Life Insurance
FINAL EXPENSE
Loans, credit card balances, estate costs, even funeral expenses—most people leave behind financial obligations when they pass away. If not planned for, these costs can place a heavy burden on loved ones. Final expense coverage is a form of life insurance designed to relieve that burden by covering these expenses and ensuring everything is taken care of when the time comes.
UNIVERSAL LIFE
Universal Life Insurance was designed to offer greater flexibility than whole life insurance by allowing policyholders to move funds between the insurance and savings portions of the policy. Premiums, which vary, are divided by the insurer into these two components, giving the policyholder the ability to adjust contributions based on their needs. For example, if the savings account is underperforming, those funds can be applied toward premiums instead of using outside money. Unlike whole life insurance, universal life allows the cash value of your policy to grow at a variable rate that is recalculated each month.
WHOLE LIFE
Whole Life Insurance is a permanent life insurance policy with level premiums that combines both protection and a savings component. The insurance portion provides a guaranteed death benefit to your beneficiaries, while the savings portion builds cash value over time. This cash value grows tax-deferred and can be accessed by the policyholder through withdrawals or loans. As the most traditional form of cash-value life insurance, whole life not only ensures lifelong coverage but also allows you to build equity as your regular premiums cover insurance costs and contribute to long-term financial growth.
TERM INSURANCE
Term life insurance is the most affordable option when first purchased and is designed to cover temporary needs. It provides protection for a set period of time (the “term”) and typically pays a benefit only if the insured passes away during that term. This type of coverage can be a smart choice when you want protection that will no longer be necessary after a certain point—for example, until your children finish college or a specific debt, like your mortgage, is fully paid off.