Life Insurance

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Life Insurance is a contract between the insurance policyholder and the insurer, where the insurer promises to pay the designated beneficiary a lump sum of money in exchange for a premium upon the insured person's death.

  • Life insurance is typically chosen based on the needs and goals of the owner of the policy.
  • Term Life - Provides protection for your property, assets and family over a set period of time such as 10, 15, 20 years. Term Life is generally less expensive than permanent life insurance.
    • Can assist with providing a safety net for paying off mortgage
    • Can keep a business running
    • Can support your family thru childhood and paying for college
  • Permanent Life (Whole or Universal)- Provides protection for your property, assets and family over the insured.
  • With higher premium because you are guaranteed a pay out to your beneficiary as long as premiums are paid. You have a fixed premium that does build cash value which can function as a savings that you could borrow againgst as it builds.
    • Assist with estate planning
    • Final expenses better known as burial insurance, is designed to cover the bills that your loved ones face after your death
  • Universal Life- Insurance protection that provides lifetime coverage however is flexible so it may start off as a lower fixed payment and covert to a higher premium.
    • Can be used for muiltiple long term goals such as the insured can start off with protecting their family to pay off a mortgage to coverting to estate planning and preparing your family for after life expenses
    • Can provide a fixed payment option while still having the ability to build cash value and permanent guaranteed death benefit.
  • Death benefits from all types of life insurance are generally income tax-free.




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Medicare Disclaimer
  • We do not offer every plan available in your area. Currently we represent 16 organizations which offer 48 products. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.