Personal & Business Life Insurance

Life Insurance is critical to building a solid foundation for Financial Security. A suitability review based on your needs and requirements will secure our Life and Income needs.

Variable Universal Life – Optional Indexed Policies

Life insurance protection for asset accumulation or the efficient access and transfer of cash with cretin guarantees to help reach your financial goals. A portion of your premium provides for life insurance and a portion can be directed into various investment options and personal retirement needs.

WHOLE LIFE

Whole life insurance offers you a guaranteed fixed premium for the duration of the policy, a guaranteed death benefit and:

  • Cash values that can be designed to meet specific needs
  • An ideal way for estate and business insurance planning
  • Flexibility when used with buy/sell agreements, key employee plans, executives bonuses and split dollar plans
  • Many dividend options and cash value accumulation
  • Benefits payable as life needs

UNIVERSAL INDEX LIFE INSURANCE

Allows you to make an initial payment on the policy with the flexibility to make subsequent payments most any time and in any amount.

  • Permanent life insurance coverage
  • Flexible premiums
  • Adjustable death benefits
  • Tax-deferred cash value accumulation
  • Competitive interest rates
  • Generate supplemental income for retirement
  • Benefits payable as life needs

TERM LIFE INSURANCE

Coverage for a specified or limited time; 10 to 30 years. Accelerated benefits, children insurance riders and the ability to convert to permanent insurance are some of the added value available.

High limits with low cost for defined periods of time

Many available riders to enhance the value of the policy

Convertible to permanent insurance during the specified time

Benefits payable as life needs

GUARANTEED TERM LIFE-SIMPLIFIED ISSUE FOR GROUPS

Issued up to age 70, individually owned, level premium and convertible to permanent insurance with high levels of coverage.

  • 10 Year level premium individually or employer owned
  • No benefit reduction at any age
  • Convertible to permanent insurance without evidence of insurability or exams to age 75, no reduction in benefit
  • Owned by the employee, fully portable
  • Only simple qualifying question “Are you actively at work?”

SURVIVORSHIP LIFE INSURANCE

Second to die is a form of life insurance which insures two people and pays benefits after the second person dies. Designed to provide funds for estate taxes or buy/sell agreement.

  • Provides level premium for life policy
  • Mortgage or business succession/sale
  • Guaranteed death benefits tax free
  • Can accumulate cash values or purchase additional value