Everyone is different and your life insurance needs to be custom tailored to you and your needs. This can be accomplished with different types of life insurance plans. Some of the most popular types of life insurance policies are:

Term Life Insurance

Provides coverage for a specified number of years, typically 5, 10, 15, 20, 20 or 30 years.

Whole Life Insurance:

Provides permanent life insurance coverage with a guaranteed premium and it has the added advantage of gaining cash value.

Guaranteed Universal Life Insurance:

Provides the insured with options to insure them to ages 90, 95, 100, 110, 120, 121. The age you may select varies by insurance company. You may add various riders to your policy providing for critical illness, chronic illness, long-term care ridge, disability riders, etc.

Guaranteed Issue Life Insurance:

This type of life insurance policy is also known as burial insurance or final expense insurance. Typically, these policies have none too few questions that the applicant must answer. They provide insured values of $2,500 to $25,000 in coverage. It is important to understand any exclusions or limitations associated with this type of life insurance policy.

Mortgage Protection:

Mortgage Protection is a decreasing term policy that is designed to help pay off your mortgage should the insured(s) pass away. Insured(s) need to pay close attention to the decreasing benefit value that is reduced each year the policy is in force.

There are other types of life insurance and we can assist you in determining what type of policy works best for you and those who are important to you.