A good rule of thumb is getting life insurance coverage that's 10-15 times your income, but it depends on your individual financial circumstances. For many people, buying a life insurance policy is a smart move that will ensure financial protection for family and loved ones.
Permanent Life Insurance Permanent life insurance provides coverage throughout your entire lifetime, as long as the premiums are paid. It offers life-long death benefit protection and builds cash value along the way. Your cash value can increase the death benefit or provide access to extra living benefits.
Whole Life Insurance Whole Life Insurance provides dependable, lifelong and straight-forward coverage. If you were to pass away, this coverage could help your family maintain their current lifestyle, pay college expenses, assist your spouse in making the mortgage payment and/or pay funeral and other final expenses. It also guarantees the amount of the death benefit, cash values and a level premium that will never increase. If guarantees are important, Whole Life Insurance might be right for you!
Universal Life Insurance Universal Life Insurance gives you the best of both worlds – the benefits of Permanent Life Insurance with the flexibility to adjust premiums and coverage as your life changes. It gives you the option to make lower payments when money is tight or pay a little more when you have extra cash to spare. If you are looking for insurance that has the flexibility to change with you, Universal Life Insurance is something to consider!
Final Expense Insurance If it’s hard for you to think about your funeral, imagine how hard it will be for your family to plan yours without the money to do so. The traditional funeral can easily cost more than $10,000. Final Expense Insurance offers …
A simple application with no medical exams or health questions to answer
Guaranteed acceptance between the ages of 50-80
Affordable rates that will stay the same
Term Life Insurance Are you looking for an easy and affordable way to provide a financial safety net for your family? Term Life Insurance may be right for you! Term Life Insurance offers a low-cost way to provide life insurance protection to those you love. It also provides:
Guaranteed coverage at a fixed monthly cost for a specified period of time, usually 10, 20, or 30 years
Option to convert to a Permanent Life Insurance policy
Coverage for temporary needs e.g. child’s college tuition or income replacement
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