Whole Life Insurance

Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.

Term Life Insurance

Term life insurance, is a type of death benefit that pays the heirs of the policyholder throughout a specified period of time. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to lapse.

Final Expense

Final Expense insurance will cover you for life. Prices are locked and will never increase nor will your policy end. These types of policies are designed to make sure all funeral and other end of life expenses are covered.

Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy. In the event of a death, the mortgage will be paid in full, so your family can keep the house.

Index Universal life

This is a type of permanent policy that allows the insured to accumulate cash value in addition to their death benefit. It can be set up to help supplement your retirement plan.

Annuity

Is a financial instrument issued and backed by an insurance company that provides guaranteed monthly income payments for the life of the contract, regardless of market conditions. You can customize an annuity based on a variety of options, including how long you think you’ll live, when you want your payments to start and whether you want to leave your income stream to a beneficiary after your death.