Life Insurance is like a security system-you don’t realize how much you need it until you don’t have it
Life Insurance
Life insurance is essential for protecting your family’s financial future. The right policy can replace income, cover final expenses, pay off debts, and provide long-term stability for your loved ones. Getting coverage today ensures your family is protected tomorrow—no matter what life brings.
Term Life Insurance
Term life insurance is the most straightforward and affordable type of coverage, designed to protect your family’s financial security for a specific period of time or “term,” typically between 10 and 30 years. You pay a premium, which is often level (stays the same) for the duration of the policy. If the insured person dies while the policy is active, the insurance company pays a tax-free death benefit lump sum to the named beneficiaries. Because it is temporary and does not build cash value (unlike whole or universal life insurance), the premiums are generally lower.
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that provides coverage for your entire life as long as you pay the required premiums. Unlike term life, whole life policies include a cash value component that grows over time on a tax-deferred basis. The premiums are usually fixed and guaranteed not to increase. When the policyholder passes away, a guaranteed death benefit is paid to the beneficiaries. Because of the cash value and lifelong guarantee, whole life insurance generally has higher premiums than term life.
Universal Life Insurance
Universal life insurance (UL) is a form of permanent life insurance that provides lifelong coverage and includes a cash value component. Its main distinguishing feature is its flexibility. Policyholders have the option to adjust the amount and timing of their premium payments, within certain limits, as long as the cash value remains sufficient to cover policy costs. The cash value portion grows over time, typically earning interest at a rate that may fluctuate but often has a guaranteed minimum. This accumulated cash value can be accessed by the policy owner during their lifetime through loans or withdrawals.
Life Can Change in an Instant
Life insurance gives your family security, stability, and peace of mind when life is uncertain. It’s one of the simplest ways to protect the people you love most