Term Life

Term Insurance typically sold in lengths of one, five, 10, 15, 20, 25 or 30 years. Coverage amounts vary depending on the policy but can go into the millions. “Level premium” term life insurance locks in the same price for the length of the policy. “Annual renewable” term life is a one-year policy that renews every year. Annual policies can be useful if you have short-term debts or need coverage for a brief period of time.

Whole Life

Whole Life typically lasts until your death, as long as you pay the premiums. It’s the closest thing to “set it and forget it” life insurance. In general, your premiums stay the same, you get a guaranteed rate of return on the policy’s cash value, and the death benefit amount doesn’t change.

Universal Life

The death benefit is guaranteed and your premiums won’t change. There’s typically little to no cash value within the policy, and insurers demand on-time payments. You can choose the age to which you want the death benefit guaranteed, such as 95 or 100.

Business Protection

We offer a variety of ways for you to protect the interest in your small business.

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