Term Life Insurance provides life insurance protection for a specified period of time. Term Life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change. With term insurance some of the additional benefits may include Waiver of Premium, Return of Premium and Living Benefits.
Guaranteed Whole Life Insurance
Guaranteed Whole Life Insurance has NO medical questions. It is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Final Expense Insurance
Final Expense is a whole life policy that is specifically used for burial purposes and can usually be purchased between ages of 50-85. The rates never increase as long as the premiums are paid as specified in the policy.
Universal Life Insurance
Universal Life Insurance is a form of permanent life insurance that is characterized by its flexible premiums, face amounts & unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.