Life Insurance

Request Quotes For Life Insurance

Our firm provides clients with high quality and affordable life insurance by working with many carriers to find a policy that is the best fit for one's goals, objectives, and health circumstances.

No matter what type of life insurance you want (term, whole, or universal life insurance) or if you have a special underwriting situation, we have many resources to help you navigate the plan options and make the buying process as simple and easy as possible. 

Click the link above to request customized quotes. To learn more about the different types of life insurance policies, continue reading below.

Term Life Insurance

Term Life Insurance is designed for temporary life insurance coverage. Term policies typically have a guaranteed level premium for the length of the term period- the most common are 10, 15, 20, and 30 years. This is a death benefit-based product and usually has no living benefits. Clients who only want life insurance coverage for a specific length of time tend to benefit from term life insurance.

Also, many term products have a special feature that allows the insured to convert the term insurance to a permanent life insurance product such as whole life or universal life. The advantage of the conversion privilege is to make a policy change without medical underwriting, making it easier to leave a legacy to family or fulfill retirement or estate planning needs.

Whole Life Insurance 

Whole Life Insurance is designed to provide a guaranteed lifetime death benefit, guaranteed long-term cash value, and guaranteed premium. In addition to the life insurance benefit, whole life can be a great wealth accumulation vehicle with more predictable cash buildup than other fixed savings options.

The policy can also offer additional living benefits* such as chronic illness accelerated benefit, disability waiver of premium, and guaranteed purchase option rider. Some of these benefits require medical underwriting to obtain.

These living benefits are attractive for those looking to strengthen their overall financial plan and gain confidence knowing that their assets and wealth are protected.

Whole life insurance is appropriate for applicants interested in lifetime life insurance protection, wealth accumulation without market risk, and wealth transfer strategies.

*Life insurance permanent policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. 

*All guarantees subject to issuing company's claims-paying ability.

Universal Life Insurance

Traditional Universal Life Insurance is designed for long-term coverage with flexible premiums while Guaranteed** Universal Life Insurance is slightly different in that it provides a lifetime death benefit with guaranteed level premiums. Cash value accumulation differs by policy type and carrier. 

Indexed and Variable Universal Life

The primary purpose of any life insurance policy is the death benefit. However, Indexed Universal and Variable Universal Life Insurance policies are unique in that they also can build significant cash value accumulation while maintaining a life insurance benefit along the way.

Index Universal Life has guaranteed cash value accumulation with potentially greater growth than Whole Life since the accumulation values are pegged to an equity-based index such as the S&P 500. There is typically a floor and ceiling annual interest rate credit that varies by carrier. IUL policies can be a good fit for those looking for alternatives to whole life. 

Variable Universal Life has cash value accumulation that is not capped by a ceiling interest rate nor protected with a floor interest rate like an IUL policy. The insured assumes the downside risk of the underlying sub-account performance but takes advantage of the full upside potential of the market and the growth of the underlying funds. 

Determining which type of life insurance is right for you depends on your insurance needs, financial goals, cash flow, and other factors. Please contact us for a complimentary consultation or review of your current policies. 

*Accessing the cash value may reduce the death benefit and the value of the policy. Additional premiums may be required to keep the policy in force. Investing involves risk- including the potential for losses.

**All guarantees are based upon the claims-paying ability of the issuer.