Life Insurance
Life Insurance policies help provide security to either you or your beneficiaries after one passes
away or after a designated period of time.
You can help secure your family’s financial future by paying for college, medical expenses,
paying off a mortgage, covering any final expenses or estate taxes, and more.
Life Insurance is highly recommended for all ages.
We offer – Term Life Insurance and Universal Life Insurance.
Benefits of Term Life
- Protection for the period of time you want
Term life insurance is available in 10-year, 15-year, 20-year or 30-year terms, and is renewable annually until the holder reaches age 95. A term policy can be converted to a permanent life insurance policy at any time during the term period (up to age 65). - Affordable coverage that will not increase over time
Guaranteed level premium remains stable for the duration of the term. - Income tax free payout
The payout your beneficiary receives if you die during the coverage period is typically income tax free and has a steady value throughout the life of the policy.
Benefits of universal life
- Permanent protection
Universal Life Insurance provides protection for your entire life without need to renew the policy with higher premiums. - Access to cash value
Universal Life Insurance has potential to build cash value and borrow from cash value while one is still alive.(Living benefits) - Plan Flexibility
You have the flexibility to change the protection level or how frequently you want to pay your premium, - Tax advantages
This vehicle allows tax free death benefits and cash value withdrawals.