Life Insurance

We offer many different types of life insurance to suit a variety of needs and situations. How you would like to provide for your loved ones is up to you.

With our Whole Life options, you can help make sure your loved ones receive guaranteed benefits after you're gone - no matter when that is. 

• Fixed Premium - The cost of your policy will stay the same so you know what to expect
• Dividend Options - Although not guaranteed, we have a history of pay dividends to our policy holders.
• Fixed Benefits - Feel good knowing your loved ones will receive their benefits o the terms you've defined.

Fixed monthly payments and level payouts.

Your kids grow up, your mortgage gets paid off and your financial needs change.  With Term Life, you have coverage options without a lifelong commitment. 

People choose Term Life for a variety of reasons:

1. Choose your coverage - With our Annual Renewable Term (ART) you can get short term needs at an affordable cost - 5,10,15, 20, 30 year term periods available
2. Affordable Coverage - Only pay for the years when your family needs it most 
3. Adapts to You - Coverage that can adapt to you, such as receiving benefits early to cover an illness
4. Flexibility You Need - Convert your coverage to permanent life insurance if your needs change 

*Subject to the policy's conversion provision

More flexibility but the same lifelong coverage

Like Whole Life, Universal Life is considered a permanent life insurance policy. So what's different? Universal Life gives you the flexibility to adjust both your payments and payout amounts as your journey unfolds. 

1. Flexible Premiums - You may adjust how much you pay into your policy as long as you keep enough available cash value 
2. Flexible Benefits - You have the ability to increase or decrease your death benefits
3. Loan Access - You can borrow against a portion of your policy's cash value to help you pay for the unexpected 
4. Optional Riders - Riders help you customized your policy with options life disability waivers, extending coverage and covering your kids

Universal Life policy values are interest-rate sensitive. Interest crediting rates are set by the insurer and subject to policy-specific requirements. 

Earning opportunities that you can pass on 

Your policy can be tied to a particular stock index, such as the S&P 500, and earn credited interest based on its performance. As an added benefit, your policy will never be credited with a negative interest rate.

1. Flexible Premiums - You may be able to make adjustments to your payments as long as your policy has enough value 
2. Flexible Benefits - Policies may allow you to increase or decrease certain benefits
3. Loan Access - You can borrow against a portion of your policy in order to meet unexpected financial needs
4. Optional Riders - Many policies offer riders that can be customized to help you accelerate benefits, change and even extend your coverage 

There when you need it 

• Customize the Length of Your Guaranteed Death Benefit - Whether you only need coverage to a certain age or a guarantee that can last a lifetime, you can select the guarantees that work for you
• Cash out the Policy at a Later Date if Your Needs Change - If your circumstances change or you no longer need life insurance, the Guaranteed Cash-Out Rider may be your way to restore financial stability.
• Ease Financial Strain by Accelerating the Death Benefit - Should you become terminally ill, a full or partial accelerated death benefit may be available to you, providing an unrestricted cash benefit for you to use for any purpose.