top of page

 LIFE INSURANCE 

Life insurance is arguably one of the greatest gifts you can give to your loved ones upon your passing, and one of the best ways to ensure that your survivors remain financially secure. It is a tool to allow you to leave a debt-free legacy, continue to provide income in your absence, cover your children's education costs, and provide financial protection. 

WHAT CAN LIFE INSURANCE PROVIDE YOUR FAMILY?

insurance (1).png

MORTGAGE PROTECTION

income-statement.png

DEBT RELIEF

life-insurance.png

INCOME REPLACEMENT

ALLOW YOUR LOVED ONES TO REMAIN IN THEIR HOME

GIVE THE GIFT OF A DEBT FREE LEGACY

PROVIDE FUNDS AND FINANICAL SECURITY

 TYPES OF LIFE INSURANCE 

TERM LIFE

TEMPORARY - Coverage is set for a specific period of time and expires at the end of the set period (5, 10, 15, 20 years).

AFFORDABILITY - Generally associated with the lowest premium cost. 

DEATH BENEFIT - Fixed

UNIVERSAL LIFE

DURATION - Lifetime coverage

AFFORDABILITY -  Premiums are generally flexible to allow you to increase or decrease payments

CASH VALUE - The cash value and death benefit can fluctuate based on the premium you pay and the market performance

WHOLE LIFE

CASH VALUE - A portion of the premium functions as an investment, building tax-deferred interest over time

AFFORDABILITY - Premiums may initially be more expensive than other forms of life insurance but remain constant for the duration of the policy

RENEWABILITY 
- Life-long coverage as long as the premium is paid.

FINAL EXPENSE

DURATION - Lifetime coverage

PREMIUM - Most policies offer level premiums

CASH VALUE
- The policy owner can decide what sub-accounts to invest their cash value in. A minimum death benefit is often guaranteed. The performance of the sub-accounts will determine other gains. 
bottom of page