LIFE INSURANCE

How much life insurance do you need?  Let our life insurance calculator help you determine your need.

What type of coverage is right for you?  Click here to get started. 

Life Insurance

Life Insurance will provide financial protection for your family in the event of your death.  It is the essential 
component in planning for your family's future and is the most important thing you will ever do for those who 
depend on your ability to earn an income.

There are two types of life insurance:
  • Term life insurance
  • Permanent life Insurance

---   What's the Difference?---
​
Term life Insurance
  • Offers the most affordable protection available and is designed to meet a temporary need.  
  • Will provide coverage for a specific period of time (the term) and pays the full benefit if you die during the defined time period.  
  • Makes sense when you have a large need for insurance that will disappear at a specific point in time.  For example, you may need a significant amount of life insurance until your children graduate from college, your mortgage is paid off or for income replacement during your top earning years.  
  • Term Life Insurance Policies are available in 1, 5, 10, 15, 20 and 30 year time periods.  

Permanent Life Insurance
  • Are also known as whole life, and provide lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.  
  • Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.