Life & Disability
For Individuals: The purpose of life insurance is to protect your family from a change in the standard of living for your surviving family members who depend on you. Your loss is hard enough to deal with, without having to think about how they are going to pay for your funeral expenses, keep their home, pay for childcare expenses, medical bills, etc. Too often families don't have adequate life insurance and the surviving spouse not only loses the person they love, but they also lose their home because they can no longer afford it. Our staff recognizes how important it is to you to keep your family maintained and we can help you in making the right choice to protect you and your family.

For Businesses: Life insurance can also be used to protect your business from the loss of an owner, partner, or key employee which may cause a loss of income until you can find another solution. The life insurance proceeds can be used to sustain the business; it can be used to purchase the shares of the business from the deceased partner's family, etc. Our specialists can discuss these options with you and help you make the right decision for the needs of your business.

There are a variety of life insurance policies available. A few of them are as follows:

Term Life insurance: These policies have a steady premium and benefit for a certain period of time (term).

Whole Life insurance: These policies have a steady premium and benefit for the life of the insured as long as the premiums are paid. In addition to this they also have cash value. Traditionally, these policies are more expensive than a term policy.

Variable Life insurance: These policies have a fluctuating death benefit (with a guaranteed minimum death benefit) and cash value. The fluctuations are dependent on the market conditions of the investments.

Universal Life insurance: These policies have flexible premiums and flexible death benefit amounts.

DISABILITY
If you were to become disabled would your family be able to survive without your income and maintain the quality of life they are used to?
What would be your priorities? House, car, health insurance, retirement income, etc.

Unfortunately, without an income you cannot afford any of these things.

Let us help you make the right decision. Our specialists can help you determine the products best suited for you.