LIFE INSURANCE
Our Agency can also help you safeguard your family's future with assurance of life insurance. It is designed to provide financial support during difficult times and help keep your loved ones safe & sound. Term and permanent life are the two primary types of life insurance. Term life offers basic financial protection for a specific period-of-time. Permanent life can be very flexible offering many living benefits. With so many options, it can be hard to know what choice to make. Our Agency will help you choose the policy that is right for you and your situation.
Have the peace of mind you need that your business and family are taken care in your absence with a buy sell agreement funded with Life Insurance. The cost is small compare to the benefits and peace of mind. Contact one of our experienced Agents to walk you through the process step by step today.
The LTC product we offer is a linked benefit insurance policy that provides long-term care coverage along with a death benefit that ensures your premium will not be lost should you never need LTC. The LTC product we offer is a cash indemnity policy which pays benefits with no restrictions from the insurance company on how the money is used. No monthly bills or receipts are required once a claim is approved. Unused monthly benefits can be saved in a personal checking or savings account for use in the future. Please contact Moni, our LTC benefit planning advisor.
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1 As the name implies, Mortgage Life Insurance is a policy that pays off the balance of your mortgage should you die. It often is sold through banks and mortgage lenders. The payout goes to the mortgage lender, not your family. The payout matches your mortgage balance, so the amount decreases over time.
2 Term Life Insurance is the easiest to understand and has the lowest prices. It covers you for a fixed period of time, like 10, 20 or 30 years. You can get life insurance quotes online.
3 Whole Life Insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance, which covers you until you die. It also provides a cash-value account that you can tap for funds later in life.
4 With Universal Life Insurance, you pay a monthly fee that splits into two parts: One covers life insurance and the other goes into savings and investment. In most cases, this can be more flexible by allowing you, the policy holder, to choose how much premium you pay within a certain range. The minimum amount is set by the cost of insurance, which includes your death benefit and administrative fees.
5 Unlike traditional health or life insurance, Long-Term Care Insurance policies are primarily designed to offer financial support to pay for long-term care services and supports, including personal and custodial care.