Life Insurance

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Selecting the right type of life insurance plan requires analyzing your specific needs and allocating a budget to meet that need.

Individual and Group Coverage

Estate Plans
Family Need Plans
Executive Bonus Plans
Split Dollar Plans for Businesses
Key Employee Plans

Types of insurance plans

Term Insurance - Coverage for specified periods of time. 5, 10, 15, 20, 25 years Annual, Renewable and Convertible Term
Permanent Plans

Whole Life - Guaranteed Interest Rate on Cash Value

Universal Life - Flexible Interest Rate on Cash Value

Variable Life - Cash Value Invested in Mutual Funds

Viatical Settlements - Using Life Insurance Benefits when
insured has terminal illness

Plan design options

Individual
Joint Lives
First to Die
Second to Die.

The complexities of selecting the best program and pricing can only be evaluated by an experienced professional. The pricing of the products remain the same whether you select a broker or go direct.

Purchasing the right insurance that meets your needs can be challenging. Insurance can be one of the most important ongoing purchases you make to protect yourself and your family from financial hardship. Since your needs and financial situation change over time, it is important to understand and review your insurance policies annually to decide if the same policies are still right for you.