We are a multi-line insurance agency providing help to families like your own. Our mission is to help families analyze their insurance needs and find an affordable protection plan that will meet the family’s requirements.
Life insurance is one of the most important investments you can make. It is an investment in yourself and the future of your loved ones, and it is a way to secure your financial responsibilities to your family.
Your life insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family's dreams for the future become realities.
Term Life
Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years.
Universal Life
Universal life, also known as adjustable life, allows more flexibility than traditional whole life policies. The savings vehicle (called a cash value account) generally earns a money market rate of interest.
Whole Life/Permanent Life
Whole life or permanent insurance pays a death benefit whenever the policyholder dies.
Variable Life
Variable life policies combine death protection with a savings account that can be invested in stocks, bonds and money market mutual funds.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase.
Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.