Coverage Options
Whole Life
Whole life insurance offers a lifetime of protection. Unlike term insurance, some whole life insurance products can build cash value that you may be able to borrow against to pay for things like home renovations or children's college education. Whole life is a common option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection.
Children's Whole Life Insurance is a type of permanent life insurance coverage for children 14 days old to age 17. Children's Whole Life Insurance offers protection for children and grandchildren through premiums that are guaranteed to never increase.
Term Life
Term life insurance provides coverage for a defined number of years 10,15,20,25, or 30 years. You generally pay a fixed premium for a policy that covers you for a specific period of time and pays out if you die within the selected time period. Term life insurance is the most basic type of life insurance, and typically the most affordable. Term life is a typical option for newlyweds, young parents, working people, and homeowners.
​
Return of Premium (ROP) life insurance policies offers options you wont find with traditional term life insurance policies. With ROP life insurance policy, you can provide solid life insurance protection for your family with a guaranteed death benefit that gives you something tangible back- the return of all eligible premiums paid - when the level term period is up.
Universal Life
Universal life insurance provides a death benefit and the cash value feature that lets you accumulate and earn interest, generally tax free, while the cash remains in the policy. The key differences between universal and whole life is that universal life insurance is designed to be flexible as it provides premium flexibility within maximum and minimum premium limits. Universal life is popular among individuals who are entering their prime earning years, investment savvy people who are willing to take on some additonal risk.