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Providing peace of mind for yourself and your family is easy and affordable with life insurance. Protect the people you love most and relieve their burden. See what coverage is right for you.
Final Expense Insurance
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Final expense insurance, also referred to as funeral or burial insurance, is used to cover end-of-life expenses. Whether it is medical, cremations, or traditional funeral costs, these plans provide a lump-sum payout in order to ease your family’s stress during this difficult time.
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Whole Life Insurance
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Whole life (permanent) insurance provides coverage for life - no matter how long you live. You have coverage as long as you make your premium payments. Additionally, it accumulates tax-deferred cash value that can be utilized for many purposes, including buying a home, supplementing your retirement income, and reimbursing unexpected expenses. As a result of these additional benefits, premiums are higher than term life insurance premiums.
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Term Life Insurance
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Term life insurance offers coverage for limited years and doesn’t have any cash value. Unlike whole life, you can’t tap into it while you’re alive unless you have a rider, such as a critical illness or disability rider. Those riders let you take out more from your policy to help pay for care. Term life policies could be ten years or as much as thirty years. Term life insurance is typically the most affordable life insurance option.
*Living Benefit and Return of Premium options are also available. |
Living Benefits
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It is critical to understand that not all life insurance policies are created equal. It is common for life insurance policies to pay out upon death. Did you know some life insurance policies offer death benefits even while you are alive? These funds can be used to pay for expenses associated with terminal or chronic illness, such as medical care, hospice or nursing home care, in-home caretakers and more.
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"Life insurance is like a parachute; if you don't have it the first time you need it,
there is no second chance."
there is no second chance."
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