Life Insurance
Protect the ones you love. Life insurance provides financial security for your family when they need it most.
Why Life Insurance Matters
Protect Your Family
Replace your income so loved ones maintain their lifestyle
Pay Off Debts
Cover mortgages, loans, and other financial obligations
Final Expenses
Cover funeral costs, medical bills, and estate settlement
Build Wealth
Permanent policies accumulate cash value over time
Types of Life Insurance
Choose the type that best fits your needs and budget.
- Coverage for 10, 20, or 30 years
- Most affordable option
- Fixed premiums during term
- Large death benefit for low cost
- Convertible to permanent insurance
- Coverage for your entire life
- Builds cash value over time
- Fixed premiums that never increase
- Cash value grows tax-deferred
- Borrow against your policy
- Adjustable death benefit
- Flexible premium payments
- Cash value accumulation
- Can increase or decrease coverage
- Interest-sensitive cash value
How Much Coverage Do You Need?
A common rule of thumb is 10-15 times your annual income, but your situation may require more or less. Consider:
- Outstanding debts (mortgage, loans)
- Future expenses (college, retirement)
- Income replacement needs
- Final expenses and estate costs
Quick Coverage Guide
Cover debts and final expenses
Replace income, pay off mortgage
Income, college, childcare costs
Key person, buy-sell agreements
Term vs. Permanent: Which is Right?
Choose Term If You...
- Need maximum coverage for minimum cost
- Have temporary needs (mortgage, kids at home)
- Want to invest the difference elsewhere
- Are young and healthy (lower premiums)
Choose Permanent If You...
- Want lifelong coverage guaranteed
- Have estate planning needs
- Want to build tax-advantaged cash value
- Have a special needs dependent
Frequently Asked Questions
Do I need a medical exam?
It depends on the policy and coverage amount. We offer both traditional (with exam) and simplified issue (no exam) options.
Can I have multiple policies?
Yes! Many people have both term (for temporary high coverage needs) and permanent (for lifetime protection) policies.
What happens if I outlive my term policy?
Coverage ends, but you can often renew (at higher rates) or convert to permanent insurance without a new medical exam.
Is life insurance taxable?
Death benefits are generally income tax-free to beneficiaries. However, large estates may have estate tax implications.
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