Our Life Insurance will Provide Peace of Mind

What affects your life insurance rate?

If you’re considering life insurance for yourself, you’re making a smart financial move. To help you make the right life insurance selection, we will work with you to consider your situation and needs. Are you looking for lifetime coverage or just a specific period? How much coverage will you need to protect your family when you’re gone? Do you want to be able to borrow money from your life insurance savings? What is your monthly budget for life insurance?

Your monthly rate and life insurance plan type may be affected by the following factors which you should discuss with your adviser:

Tobacco usage
Amount of coverage required

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Common Life Insurance Coverage Types

Term Life Insurance

Term life insurance is the most basic form of life insurance and provides affordable protection for a fixed period of time. It’s designed to protect against a catastrophic loss or serve as a supplemental coverage for a permanent life policy. The initial premium is usually lower, which is ideal for people with a temporary need for life insurance protection.

Permanent Life Insurance

Permanent life insurance offers protection that will last your entire life, rather than for a temporary period of time. Permanent life insurance also offers living savings benefits that can help you during your lifetime. The savings portion will build a cash value which you can loan against or withdraw from if needed.

Whole Life Insurance

Whole life insurance is the simplest type of permanent life insurance. The premium price is locked regardless of health issues that may arise. This option is ideal for those who like to stick to a budget and especially for younger people.

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