LIFE INSURANCE

Make preparations for caring for your family now by purchasing life insurance. Proceeds from life insurance can help pay bills, protect your spouse's retirement plans, and help secure your loved ones' future.

TYPES OF LIFE INSURANCE

TERM
guarantees payment if the covered person dies during a specified period of time or "term" (ex. 20 years). Term Life Insurance is typically the most affordable type when initially purchased. Many people utilize this type of insurance when they need coverage for a specific period of time, for example, until a particular debt is paid off (such as a mortgage) or until their children graduate from college

FINAL EXPENSE
insurance that helps lessen or ease the financial burden on loved ones, specifically, expenses associated with the covered individual's funeral service and burial/cremation.

UNIVERSAL
a type of permanent life insurance which guarantees the insured individual is covered for the rest of their life (as long as premiums are paid). The coverage is adjustable, allowing you to make changes by moving money between the insurance and saving components of the policy. Offers more flexibility than whole life insurance

WHOLE LIFE
also known as traditional life insurance, this type of life insurance never expires as long as premiums are paid. Although it is typically more expensive than Term Life Insurance, the premiums never change regardless of your health or age - and it builds cash value over time, allowing the ability to take out a loan from your policy to pay for medical bills and other expenses

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