Life Insurance

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Term Life

Term life insurance coverage is pure protection. Simply put, if you die while your term life insurance policy is in effect and all of the required premiums have been paid up to that point, your beneficiaries receive the exact benefit amount you selected. Like term life insurance itself, getting a term life insurance quote is simple and practical.

Return of Premium Term Life

Don’t just plan for tomorrow . . . protect it with return of premium term life insurance!
Also known as ROP, this type of term life insurance ensures your loved ones a death benefit if you are taken from them but it will return the amount you paid in premiums if you’re not. So, you collect whether you live or die.¹

Universal Life

Unlike whole life insurance, universal life makes it possible to adjust the benefit amount up or down without needing to get a new policy.
Universal life insurance may be the right choice if you need long-term financial protection. As long as premiums are paid as requested by the policy, your beneficiaries will receive the death benefit.

Whole Life
Whole life insurance is a type of permanent life insurance coverage that provides a guaranteed death benefit along with guaranteed* cash values. Part of each premium payment is applied to the policy's cash value account, which grows on a tax-deferred basis (based on current federal tax laws).

1. Premiums are set at a certain amount and don't change.
2. Premiums are partially determined based on the age of the insured. The younger the insured is, the less expensive the annual premium.
3. There are guaranteed cash values or dividends that are dependant on the specific terms of the policy.
4. The insured can borrow against cash values.
5. Current federal income tax law allows for deferred tax advantages for some insurance policies.
6. Whole Life Insurance provides coverage for the entirety of the insured's life, generally to age 100, as long as the policy is in force.

No Medical Exam Term Life

You may have wondered why life insurance companies ask for a physical exam as part of the process in securing a medically underwritten term life insurance policy. The reason is simple. If the insurance company can verify your health-with a medical exam-they can rate you according to your actual health status. Think about it. If everyone, in every health situation, paid the same rate for insurance, that rate would have to be higher because of the mortality risk.
If you have a medical exam, it often saves you money on your policy. Should you choose to forego a medical exam, you can usually receive same day coverage by answering a few health questions. Even without a medical exam, you can apply for up to $150,000 in coverage.

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