Life Insurance
A valuable tool in your planning, providing protection, income, paying expenses, and creating your legacy.

• Term Life Insurance: Life insurance for a limited period of time.
  • Key Features:
  1. Low premiums
  2. Various conversion periods
  3. Coverage ends after a specified period.
• Permanent Whole Life Insurance: Permanent whole life insurance provides life-long protection in exchange for a level premium payment. 
  • Key Features:
  1. Life-long coverage.
  2. Guaranteed death benefit and level premium.
  3. Dividends can be used to increase cash values and/or policy values.
  4. Dividends are not guaranteed.
• Permanent Universal Life Insurance: Universal Life policies can provide the amount of protection you need at the time you need it.
  • Key Features:
  1. Flexible premium & death benefit.
  2. Choice of increasing or level death benefit options.
  3. Underlying values can be invested.
  4. Cash values are not guaranteed; minimum interest crediting rate and maximum policy charges are guaranteed.
  5. Guarantee of death benefit varies.

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Disability Income Insurance
Insures your income. For many people, the ability to earn an income is their most valuable asset. Losing that ability would have a devastating effect on them.

Long-Term Care Insurance
Long-term Care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy provides you choices in deciding where or how you receive care.