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Types of Life Insurance

Do You Need Life Insurance?

  • Does Someone Depend on You Financially?

  • Do You Own A Business?

  • Do you want your loved ones, not Uncle Sam, to inherit your Legacy?

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Did you answer yes to one or more of these questions, I bet you did!  Having the right life insurance is essential when planning for the future of you and your loved ones.  Don't leave the future of your loved ones to chance.  We can help you find the right insurance coverage for you, and ensure that your policy continually meets your needs.  

Have you experienced any life changing events?

New Job - A personal policy is not dependent on your employment status
Home Purchase- Taking on a mortgage is huge.  Who will cover this debt if you  or your spouse were to pass away?
Marriage/Divorce - This is a critical time to reevaluate your life insurance needs
Baby - You will want to plan for your child's future financial needs such as college tuition.
New Business - Covering a business owner can allow for a smooth transition if the worst happens.
Retirement- You may find that life insurance becomes less about insuring your income and more about protecting your assets as you near retirement.

What Are the Benefits Life Insurance?

Having the right life insurance is pivotal when planning for your present and future.  Life insurance not only provides assurance for your family after your gone, but many life insurance options offer other benefits and investment opportunities you can take advantage of while you're living.

Life Insurance Death Benefit - When you pass away, your life insurance provides tax-free income to your beneficiaries that can be used to pay funeral expenses, debt, estate taxes, tuition or other financial needs.  Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits - The cash value growth of a whole life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.  

What Are the Types of Life Insurance?

Term Life Insurance- Is the most simple form of life insurance.  Term life provides protection for a specified period of time rather than an indefinite period of time and is generally less expensive than permanent life insurance.  Term can be a good place to start if you don't currently have life insurance.


Whole Life Insurance - Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided that premiums are paid as specified in the policy.  Whole life can be an investment opportunity, as many whole life insurance policies also build cash value over time.


Universal Life Insurance- Universal life is a form of permanent life insurance defined by its flexible premiums, face amounts and unbundled pricing structure.  Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.  


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