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Level Term Insurance

Premiums are guaranteed to remain the same throughout the contract, while the amount of coverage provided increases. As a result, the coverage can be advantageous over time as a policyholder keeps paying the same amount but has access to increased benefit coverage as the policy matures.

Decreasing Term Life Insurance

A decreasing term life insurance works best to cover a loan or other financial obligation that will reduce in size over a known period of time. As your debt decreases, your coverage does as well.

Whole Life Insurance

Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life," is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

Modified Whole Life Insurance

In general, the insurance coverage is designed to have an increasing premium near the back end of its duration. Most agreements will see the premium rise only once after the first 5-10 years. This coverage plan acts as a win-win situation for both parties as the risk is limited during the earlier years of one’s agreement.

Group Level Term Insurance

Term insurance in which one contract is issued to cover multiple people. The most common group is a company, where the contract is issued to the employer who then offers coverage as a benefit to employees

Universal Life Insurance

You pay a monthly fee that splits into two parts: One covers life insurance and the other goes into savings and investment. It's meant to be more flexible by allowing you, the policy holder, to choose how much premium you pay within a certain range.

Final Expense Whole Life Insurance

A whole life insurance policy that has a small death benefit and is easier to get approved for. Final expense insurance is also called “funeral insurance," "burial insurance,” or “simplified issue whole life insurance."

Frequently Asked Questions

How much life insurance should an individual own?

“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family.

What about purchasing life insurance on a spouse and on children?

In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s).

Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

Yes. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured’s death. Although a lender may offer a mortgage protection term policy to you, the lender rarely requires it.

Does long-term care insurance cover nursing home cost?

Long-term care insurance does cover nursing home cost as part of the general benefit structure. There are many different benefits that come to long-term care insurance.

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