Header-public Header-public
  • Industry Smart
  • Exceptional Service
  • 50+ Years Strong
  • Top-Rated Carriers

Life Insurance

 

There Are Two Basic Types of Life Insurance:

> Term Life Insurance is the most basic type and is designed to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a monthly premium (payment). This type of insurance is usually the most affordable option for individuals under the age of 50.

> Permanent life Insurance lasts for the insured person’s entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings account. The cash value that accumulates with this type insurance can later be withdrawn or taken out as a loan against the policy.

 

> Linked (or Combination) Life & Long-Term Care Insurance provides two forms of valuable protection in one policy. Some plans offer recurring premiums while others require a large single premium. Like all life insurance policies, they pay a death benefit to your beneficiaries. However, what sets them apart is the ability to deduct from your death benefit the amount you may need to pay for long-term care costs. Some permanent life insurance plans will allow you to purchase an optional rider for long-term care coverage.

> Final Expense Insurance is a small life insurance policy designed to cover the immediate costs associated with a death, such as burial, cremation, casket, funeral service, headstone, burial plot, etc. In 2012, the average cost of a funeral alone exceeded $8,000. Though most people don’t like to talk about end-of-life issues, they also don’t want to place this financial burden on their loved ones.

 

The Companies We Represent

AIG 2
americo
axa
cfg
Illinois 1
lg
MassMutual for web 2
National Western
New York Life 2
Ohio National Financial Services 1
Pacific Life for website
Life Insurance
Prudential 1
Symetra 2
American National 2
Assurity 1
Sized Boston Mutual logo
gerber
hancock
Lincoln
Mutual of Omaha 1
screen-shot-2017-02-10-at-10-52-43-am
North American Company 2
One America 1
Penn Mutual 2
Protective 2
Securian 3
Transamerica 1