Insurance coverage for you and your loved ones.
As an independent insurance agency, we understand what is important to you. Having the right plan for you and your family is vital for planning for what happens next. We are here to help you find the right insurance policy that is right for you and each part of your family.
Common Type of Life Insurance:
- Term Life Insurance : Term life insurance, also known as pure life insurance, is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the policy to terminate.combines protection for all major property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner in one bundle. However, it is usually sold at a premium that is less than the total cost of the individual coverages.
- Whole Life Insurance: Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate. These policies are also known as permanent or traditional life insurance.
- Universal Life Insurance: A Universal Life insurance policy changes along with your life. This flexible policy lets you raise or lower your coverage,and your premium, to fit your needs. It even builds cash value you can use during your lifetime.
Having the right plan for you and your family is vital for planning for what happens next.