Choosing a life insurance product is an important and complex decision. We offer guidance in determining why life insurance is needed; how much coverage is optimal; and, the advantages of different types of policies.

We offer one-on-one consultation with employees. We work patiently, providing quotes from top rated insurers.

Term Life

Term insurance covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term insurance generally provides the largest immediate death protection for your premium dollar.

Whole Life

Whole life covers you for as long as you live if your premiums are paid. You generally pay the same amount in premiums for as long as you live. When you first take out the policy, premiums can be several times higher than you would pay initially for the same amount of term insurance, because a portion of your premium goes into a cash value account. The premiums, however, are smaller than the premiums you would eventually pay if you were to keep renewing a term policy until your later years.

Some whole life policies let you pay premiums for a shorter period such as 20 years, or until age 65. Premiums for these policies are higher since the premium payments are made during a shorter period.

Universal Life