Do You Have Enough Life Insurance?

There are many types of life insurance policies available to you and we can help you determine which is the best option for you and your family:

  • Term life insurance: This offers coverage for a specified term with a less expensive, fixed premium.
  • Whole life insurance: Unlike term life insurance, a whole life insurance policy offers permanent coverage at a fixed, but usually more expensive, premium. However, part of your premium goes towards the cash value of the policy, which allows you to borrow against the accumulated cash value of your policy.
  • Variable life insurance: A flexible life insurance option that's similar to a whole life policy in regards to it's permanent coverage and accumulated cash value.  However, the cash value of your policy is invested in subaccounts that can include equities, bonds and other assets which grow tax-deferred.
  • Universal life insurance: Is a dynamic hybrid of Whole life and Variable life that can take on more or less of the attributes of each of these somewhat different insurance types depending on how it is designed.

We know how to independently shop, write an insurance contract, negotiate with underwriting and place contracts.  We also enjoy working with impaired health scenarios, or users of tobacco or marijuana.  Let us help you.