Protect What Matters Most

Term life insurance provides coverage for a specific period (typically 10, 20, or 30 years). It’s an affordable option that offers a death benefit if you pass away during the policy term. Once the term ends, the coverage expires, but it can be renewed or converted into a permanent policy.  Term life policies with Return of Premium options repay 100% of the premiums paid at the end of the term, making them ideal for mortgage and income protection.

Whole life insurance is a permanent policy that provides lifelong coverage. It also accumulates cash value over time, which you can borrow against or withdraw. It’s ideal for those who want both protection and an investment component that grows over time . Whole life policies can include accidental death protection and living benefits.

Final expense insurance is designed to cover end-of-life expenses, including funeral costs and medical bills. It’s typically a smaller coverage amount, ideal for those seeking a more affordable option to protect their loved ones from the financial burden of final expenses. 

Universal life insurance offers flexible coverage, allowing you to adjust your premiums and death benefits as your needs change. It also accumulates cash value, which can be used to help cover premiums or be borrowed against 

Most life insurance policies are designed to help your loved ones financially after you pass away. But what if you need financial help before you die? Living benefits allow you to access a portion of your death benefit while you’re still alive, in case you face serious illness or other financial challenges. 

Indexed Universal Life (IUL) Insurance combines the protection of permanent life insurance with the potential for growth based on the performance of a stock market index, like the S&P 500. It offers flexibility in both premium payments and death benefits, making it an appealing option for those who want more control over their policy while also building cash value. With an IUL, you can enjoy life insurance protection while also growing your savings with the opportunity for better returns than traditional whole life insurance.