Life Insurance
Protect your family's financial future with comprehensive life insurance coverage. Choose from term life, whole life, universal life, and variable universal life insurance options.
What is Life Insurance?
Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.
Fast & easy
Quick application process with instant quotes and streamlined enrollment
Secured process
Bank-level security protection for all your personal life insurance information
Control over policy
Customize coverage to fit your specific life insurance needs and budget
Save your money
Competitive rates and multiple discounts available for life insurance
Some Common Types of Life Insurance:
Term Life Insurance
Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
Whole life insurance or whole life assurance is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
Variable Universal Life Insurance
Variable Universal Life Insurance is a type of life insurance that builds a cash value in a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. This variable component in the name refers to this ability to invest in separate accounts whose values vary – they vary because they are invested in stock and/or bond markets. The universal component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.
Life Insurance Coverage Areas
Comprehensive life insurance protection for all aspects of your financial security and family's future.
Death Benefit Protection
Financial protection for your beneficiaries when you pass away
Coverage Includes:
Cash Value Accumulation
Build cash value that you can borrow against during your lifetime
Coverage Includes:
Income Replacement
Replace lost income to maintain your family's standard of living
Coverage Includes:
Business Protection
Protect your business interests and key person coverage
Coverage Includes:
Who Needs Life Insurance?
Life insurance is essential for anyone who has financial dependents or wants to leave a legacy. It provides financial security and peace of mind for your loved ones.
Life Insurance Benefits
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Protect your family's financial future with comprehensive life insurance coverage. Our experts will help you compare life insurance options and find the right coverage for your family's needs and budget.
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