Protect What Matters

Life insurance is for the living.
Create a legacy.
Make sure your family is protected when you are no longer here to take care of them.
What Can Life Insurance Do For Me?
Important Stats
Types of Life Insurance
Customization Options
FAQ
What Can Life Insurance Do For Me?

INDIVIDUALS

FAMILIES

BUSINESS OWNERS
Protect against catastrophic financial losses from health care costs
Cover final expenses
Replace income during period of disability
Fund retirement
Pay accelerated benefits for a terminal illness
Protect against catastrophic financial losses from health care costs
Cover final expenses
Replace income during period of disability
Fund retirement
Pay accelerated benefits for a terminal illness
Provide income in case of premature death of breadwinner
Pay off mortgage so family does not lose home
Create an instant estate
Protect against catastrophic financial losses & bankruptcy from health care costs
Provide funds to transfer ownership of a business to partner or family member
Tax-free wealth transfer between generations
Protect business income from loss of key-employee
Increase executive compensation package
Only 25% of consumers own life insurance.
The others have NONE.
80% of consumers overestimate the cost of life insurance.
3 out of 10 households are UNINSURED, and said they were NOT financially prepared for the death of a loved one.
If a death occurred, 50% of families would need to make drastic or significant financial changes to survive going forward.
Types of Life Insurance
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Whole Life Insurance
Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.
Best for:
Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.
Universal Life Insurance
Flexible life insurance that changes premium and coverage amounts as your needs change.
Best for:
Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.
Burial & Funeral Insurance
Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.
Best for:
Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.
Kids Life Insurance
Help a child save for their future and lock in low insurance rates while they’re young and healthy.
Best for:
Guaranteed life-long coverage, protect child’s future insurability, funeral costs, accidental death, tax-deferred growth, wealth creation, college savings.
Types of Life Insurance
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Whole Life Insurance
Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.
Best for:
Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.
Universal Life Insurance
Flexible life insurance that changes premium and coverage amounts as your needs change.
Best for:
Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.
Burial & Funeral Insurance
Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.
Best for:
Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.
Kids Life Insurance
Help a child save for their future and lock in low insurance rates while they’re young and healthy.
Best for:
Guaranteed life-long coverage, protect child’s future insurability, funeral costs, accidental death, tax-deferred growth, wealth creation, college savings.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Whole Life Insurance
Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.
Best for:
Parents, spouses, retirement savings, final expenses, gifts to children & grandchildren.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Whole Life Insurance
Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.
Best for:
Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.
Universal Life Insurance
Flexible life insurance that changes premium and coverage amounts as your needs change.
Best for:
Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.
Burial & Funeral Insurance
Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.
Best for:
Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Term Life Insurance
Affordable, layerable life insurance that lasts a specified amount of time, like 10, 20 or 30 years.
Best for:
Parents, spouses, mortgage repayment, income replacement, college funding.
Whole Life Insurance
Lifetime insurance that locks in guaranteed rates and builds cash value tax-deferred.
Best for:
Parents, spouses, retirement savings, final expenses, gifts to children/grandchildren.
Universal Life Insurance
Flexible life insurance that changes premium and coverage amounts as your needs change.
Best for:
Parents, spouses, business owners, college savings, retirement savings, loan repayment, tax-deferred growth, wealth creation.
Burial & Funeral Insurance
Small, affordable, guaranteed whole life policies that never expire. Easy and fast to get, usually no medical exam.
Best for:
Age 50+ for paying funeral/cremation costs, medical bills, taxes, immediate household bills (rent/electric), travel costs.
Life Insurance is Customizable
Customize your life insurance to meet your needs by adding features to enhance its effectiveness.
Critical Illness
Use your life insurance to help cover costs of critical illness like heart attack, cancer, stroke and more.
LEARN MORE
Critical Illness
Because the cost of health insurance and health care continues to skyrocket, critical illness addons are a growing trend. Critical illness benefits can provide much needed funds when they’re needed most: during a major health situation when the covered person is ill (increasing costs) and not working (lack of income to pay bills).
A critical illness addon typically pays a lump sum benefit (such as $30,000) when a covered illness is diagnosed. It’s common for these features to cover cancer, heart attack, stroke, and a variety of other major issues such as but not limited to organ transplant, blindness and paralysis.
Some life insurance products offer critical illness benefits built into the policy itself rather than being an addon. If that’s the case it would be a feature of the policy rather than being an add-on.
Critical illness addons provide a superior level of peace of mind. Know your life insurance policy is useful for more than just death benefits.
Accidental Death
Beneficiaries receive a double payout for an accidental death.
LEARN MORE
Critical Illness
Because the cost of health insurance and health care continues to skyrocket, critical illness addons are a growing trend.
A critical illness addon typically pays a lump sum benefit when it covered illness is diagnosed. It’s common for these riders to cover cancer, heart attack, stroke, and a variety of other major issues such as organ transplant, blindness and paralysis.
There are some instances when the critical illness benefits are actually built into the policy itself rather than being a rider, but if that’s the case it would be a major feature of the policy rather than being an add-on.
Critical illness riders provide a superior level of peace of mind. Know your life insurance policy is useful for more than just death benefits. It can provide much needed funds during a major health situation when the covered person is ill (increasing costs) and not working (lack of income to pay bills).
Return of Premium Life Insurance
Get a check refunding your premiums after a specified period of time.
Disability Income
Add disability income to your policy to receive a monthly paycheck if you’re too sick or injured to work.
Children's Insurance
Add your minor child or children to your policy in case of premature death.
Waiver of Premium
If you’re disabled and can no longer work, your policy premiums can be waived so you can keep your life insurance while you can’t work.
Note: Not all products offer all options.
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