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Protect your home, your lifestyle, and secure the future for your children…

Who Needs Life Insurance?

You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death. The money your dependents will receive, “the death benefit,” can help pay essential day-to-day expenses, such as mortgage and medical bills, and help your family reach longer-term goals such as your children’s college education. Plus, life insurance can help ensure that your loved ones are not burdened with debt or forced to sell assets to pay outstanding bills or taxes. Contact us today to receive your personalized quote!

How Much Insurance Do You Need?

This depends on a few factors. Generally, the rule of thumb is 7 times your salary; however, as life changes, your insurance needs might, too. It’s a good idea to reassess your needs annually to make sure you have enough to properly protect your family. Beyond protection, life insurance can be the cornerstone of your family’s financial security by providing savings and wealth transfer opportunities. In fact, the very first step in selecting life insurance is to decide how you want the insurance to work for your family. When you’re ready, we can help you determine the amount of protection you may need and the type of insurance that’s right for you.

Your loved ones depend on you. If you were gone, term life insurance can help you to continue providing financial protection and security for your family! While it may be difficult to think about, term life insurance can help provide you with peace-of-mind because it can help provide an income that can cover your expenses with no conversion issues. Are you between the ages of 18-45? You may qualify for our term life policy! No medical exams, no tricky conversion rules. Answer a few simple questions to get your term life quote online now!

Coverage Options

You want to select the right coverage to protect your family…
Learn more about the options available, term and permanent insurance.

Term Insurance vs Permanent Insurance

There are two types of life insurance available today: term and permanent. One is straightforward life insurance with a basic cash payout. The other has a CASH VALUE component that can act as a financial safety net with the ability to loan money to yourself. The type you choose will depend on your financial situation; together we will customize a policy, that allows you to plan for the LIFE INSURANCE benefits that best help you and your family.

-Bruce Henderson

Is Term Insurance Right For You?

Consider term insurance if:

• You are currently unable to pay the premium of a permanent policy
• You are looking for home mortgage or other loan protection
• You have young children
• You’re looking for additional protection to supplement another life insurance policy

- Things to Consider...

Compared to a permanent policy—which pays a death benefit no matter when you die—term coverage is very affordable. That means you can get more coverage to protect your family when they’ll need it most.

Term insurance is very easy to understand and is a TAX FREE AWARD. You can buy protection for a certain amount of time (or term) such as 5, 10, 15, 20 or 30 years.* If you die before the term is over, your beneficiary gets the death benefit stated in your policy. If you live beyond the term, your beneficiaries get no payment. For many Americans TERM INSURANCE provides great value as part of a family’s financial Legacy building plan.

Remember it is LIFE INSURANCE not real estate, not the stock market or the lottery that has built the most family wealth in America……IT IS LIFE INSURANCE… BY FAR.

Term policies often allow you to extend your coverage for another term without having to get a medical check up. In some cases, you may be allowed to convert your policy to a permanent policy. This flexibility allows you to decide how you want your insurance policy to work for you. One approach is to use the term as your “starter” policy and upgrade to a permanent policy once you become more financially established.

Is Permanent Insurance Right For You?

Consider permanent insurance if:

• You are looking for tax advantages
• You may need access to your money (MICRO LOAN ABILITY)
• You are looking to better protect your money against inflation

- Things to Consider...

One main difference between term and permanent life insurance is that permanent doesn’t expire. As long as premiums are being paid, it stays with you permanently.

The other big difference is that with permanent life insurance, your premiums are invested to produce returns. This gives your policy a cash value, which usually accumulates at a guaranteed minimum interest and is available to help fund retirement, emergencies and more.

The law currently allows your cash value to grow tax deferred. Because of this benefit, a permanent life insurance policy has become more than a protection tool for some people—it’s also a financial tool. Your earnings grow “tax deferred”. This means you can take out a loan, withdraw or even surrender the policy. Universal policies allow you to adjust the death benefit to keep pace with the erosion of purchasing power.

Life Insurance Rate Chart