Financial Peace of Mind
Whether you're just starting out or you're getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them.
What is life insurance?
Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense. But if you have people who depend on you for financial support, then life insurance is really about protecting them in case something happens to you – your designated beneficiary would collect a financial benefit upon your death.
How much do I need?
Whether life insurance is offered at work or you're purchasing an individual policy, it's hard to know how much to buy. Many people decide based on an income replacement calculation, between 5 and 10 times the amount of your current income.
Our experienced consultants will gather information about your needs, budget, and other personal circumstances to make recommendations for you.
How do I apply?
Step 1: Complete an application
Your health and lifestyle will be used to confirm your cost.
The better your results, the better your price.
Step 2: Have a free medical exam
Choose a convenient time for your quick exam.
The results will help you get the best rates.
Step 3: Review and accept your policy
Every policy comes with a 30-day money-back guarantee.
Select from flexible payment options.
Types of Life Insurance
Term Life Insurance
This is the simplest and usually the least expensive form. You buy coverage for a specific period of time where premiums never change. It can usually be renewed after the term expires. There is no cash value.
Whole Life Insurance
You purchase this policy to cover your entire life, as long as you keep paying premiums. Premiums remain constant throughout the policy, and the company invests a portion of your premium that becomes the cash value.
Buy-Sell Life Insurance
For business owners and key employees, the company would receive benefits from the insurance policies on your life. The money is used to provide financial stability for the business or to pay a sum of cash to your family.
LIFE INSURANCE 101
Learn the Basics of Life Insurance
Understanding what life insurance is and how it works is an important step. This video explores the different types of life insurance and how to choose the right policy for your needs.