Life Insurance Information

Life insurance policies are designed with different needs in mind.

There are two basic types of life insurance, and you will have to decide which type best fits your needs: Term Insurance and Permanent Insurance. Both types of life insurance require an application and must go through underwriting to establish proof of insurance.

Term Insurance

Usually the less expensive type of life insurance, Term Insurance lasts for a specific length of time, i.e. 10 year term, 15 year term, 20 year term, or 30 year term. Term Insurance is designed to provide coverage at a guaranteed premium rate for the specified length of the term (10 years, 15 years, etc.). Term Insurance can usually be converted to Permanent Insurance during a specific period of time without additional proof of insurability.

Permanent Insurance

Usually more expensive in the short term and less expensive in the long term than Term Insurance, Permanent Insurance is designed to build (accumulate) cash, to meet long-term death benefit needs, and to supplement retirement. Permanent Insurance also offers a high level of death benefit and premium flexibility.

Fore more information and to receive a Life Insurance Quote, please complete the form below.

Life Insurance Request Form
Please completely fill out the form below and click submit when finished.