Life Insurance Products
Whether your need is business or personal, simple or complex, we have both the expertise and resources to help you. We pride ourselves on helping you find the right life insurance product to fit your needs and your budget.
What Type of Insurance is Right for You?
There are two basic types of life insurance available on the market today, Term Life Insurance and Permanent Insurance. Which one is for you? It may depend on how long you need the coverage.
Term Life Insurance
Term Life Insurance provides a temporary death benefit of a specific length of time ranging from 10 – 30 years. The premiums are guaranteed to remain level during the specified time period, and most term policies can be converted to a permanent policy. This is a great starting point for 1st time buyers, you get the most “bang for your buck” meaning the most coverage for the least amount of premium.
Permanent Life Insurance
Permanent Life Insurance provides a permanent death benefit that is payable at the insured’s death regardless of when that may occur. Typically, permanent life insurance is more costly than term life insurance; however some permanent policies may offer cash surrender value if the coverage is canceled. If you expect to need life insurance for longer than a 30 year duration, even for your lifetime, then you should consider Permanent Life Insurance.
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