Term life insurance is the most straight-forward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that "term." Select 10, 20, or 30 years of coverage and a guaranteed benefit. We shop around to find the best price and plan for your needs. Please fill out the form below to start the quoting process.
Term life insurance can help with
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Term Life |
Whole Life |
Universal Life |
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Advantages |
Simple, affordable coverage for a period of time |
Lifetime coverage with access to cash value |
Flexible coverage flexible premiums |
What It's Used For |
Appropriate for short-term coverage needs |
Life Insurance for life-long needs |
Permanent protection & flexibility |
Guaranteed Death Benefit |
Yes - Provided premiums are paid as required |
Yes - Guaranteed for the life of the policy provided premiums are paid as required |
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Cash Value |
Available only for Return of Premium Term |
Yes - Cash value growth is tax-deferred |
Yes - Cash value growth is tax-deferred |
Lifetime Level Premiums |
Yes - Guaranteed for the life of the policy |
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Lifetime Coverage |
Yes - Guaranteed for the insured's lifetime, provided premiums are paid as required |
Yes - It is possible coverage will expire when either no premiums are paid following the initial minimum premium or subsequent premiums are insufficient to continue coverage |
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Flexible Premiums |
Yes - Available for the insured's lifetime |
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Dividends |
Yes - Eligible to earn dividends; however, are not guaranteed |
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Available Policies |
Term Life Policies Select Term 10, 20, 30 Return of Premium 20, 30 Mortgage Life 15, 30 |
Whole Life Policies Whole Life Limited Pay 10, 15, 20 Single Premium Life Final Expense |
Universal Life Policies Universal Life Survivorship Universal Life Joint Universal Life |
