Welcome to our life insurance page. We work with many different life insurance carriers in order to provide you with the protection that best fits your personal or business needs. In order to provide you with a more accurate quote, complete your information in the “Free Easy Rate Quote Section”. Please use the comments section to indicate your tobacco usage, type and amount of insurance requested.

Types of Life Insurance

There are primarily two types of life insurance: term insurance and permanent insurance . The difference between the term and permanent is similar to the difference between renting and owning.

Term Insurance

With term life insurance you are “renting” protection for a period of time. When the term of the policy is up, you may be able to renew at a higher rate, or the insurance stops without any accrued value.

In some cases, term insurance can be less expensive than permanent insurance and gives policyholders the alternative of using the savings to invest on their own.

Permanent Life Insurance

With permanent life insurance you own the protection for life and your premium payments (like mortgage payments on a house) build value for you in the policy.

There are several types of permanent life insurance each has different premium payment methods, death benefit features, investment options and degrees of flexibility. They include:

• Whole Life Insurance offers fixed premiums and a guaranteed 2 death benefit.
• Universal Life Insurance offers flexible premiums, periodically set interest rates and a choice of death benefits.

How much life insurance do I need?

There are several methods to determine the amount needed. One rule of thumb suggests 5 to 10 times your annual income. The most accurate method is to talk directly with your agent to determine your specific goals and objectives.