Life Insurance

It's more than just a policy.
It's love.

Working with families to put love into action.

What is Life Insurance?

Life insurance ensures that the memories of your life are preserved. Whether it’s to keep the mortgage paid, maintain a current standard of living, pay off debts, or pay for college, the life insurance you choose can help your loved ones when they need it most.

Coverage & Policies

Riders, endorsements, and living benefits can help expand your basic life insurance policy, by providing more coverage.

Get a Discount

Did you know that you can take advantages of discounts with life insurance? Fitness, proper dieting, managing health conditions, & digital monitoring.

File a Claim

We understand that the loss of a loved one or a catastrophic medical hardship can make things difficult, let us lift the heavy load.

Protect what matters

Common Types of life Insurance

Term Life Insurance

Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance

Whole life insurance, as the name implies, is intended to cover you for the rest of your (whole) life, regardless of how long you live. Term life insurance, on the other hand, has a limited period (typically five to twenty years), frequently needs to be renewed, and premiums are usually modified as you become older. Furthermore, whole life insurance builds cash value, but term insurance does not.

Universal Life Insurance

A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.

Variable Universal Life Insurance

Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

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