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Life Insurance

You work hard for your money, and you want to protect it so your family won’t have to experience financial hardship if you suddenly weren’t there; with life insurance, you can protect those who mean everything to you, and — depending on the type of policy — may be within reach financially.

Whole Life

When the time comes to pay for your loved one's funeral arrangements, you may feel overwhelmed by the thought of making a hefty purchase on your own. But if you understand how whole life insurance works, you’ll be able to make an educated decision about which type of policy is right for you. Whole Life is a type of endowment insurance that can help cover funeral expenses for an entire family should one member die suddenly or suffer a terminal illness.

The insurance company can also invest a portion of your policy's cash value in stocks and bonds. Whole life insurance is not issued for a fixed period. Instead, it is designed to cover you for a lifetime.

Four Other Types Of Whole Life Policies:


Universal or Adjustable Life: The three biggest advantages of Universal/Adjustable Life are 1) the policy can earn interest 2) you can adjust premiums as needed, and 3) you can reduce your premium if you are willing to take a health exam.


Variable Life: A variable life policy combines death protection with the ability to invest in stocks, bonds, and mutual funds. While your policy’s value may grow, you also take on additional risk because of volatility in the market.


Variable-Universal Life: This unique combination gives you even more flexibility to invest in the market while also adjusting your premium payments and death benefit.


Indexed Universal Life: This type of policy allows the policyholder to allocate cash value to a fixed account or an equity index account.


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Term Life

Depending on your needs, a term life insurance policy can provide for your family members in the event of a financial loss. In most cases, term life insurance policies are ideal for young families and young adults because it does not build cash value, and typically holds no value at the end of its term.


Term life insurance policies are often more affordable with the guaranteed coverage of 5 to 30 years.

How Term Insurance Works


Choose policy term: How long do you want your policy to last? 5 years, 10 years, 30 years? Once the policy reaches the end of its terms, there are no longer any benefits available if you pass.


Choose benefit amount: This is a balancing act. How much can you afford to pay each month, and how much money does your family need if you pass unexpectedly. A life insurance professional can help you think through different scenarios and determine the best course of action for you.


Medical exam and/or health application: A medical exam is required for fully underwritten policies—premiums are usually lower if you’re in good health. You may also be asked to submit blood work and answer health questions on the policy application. Always tell the truth during the processes. Misrepresentation could result in the termination of a policy.


Premiums: Premium rates vary by the insurance provider, demographics, and medical exam. It is always essential that you have an insurance agent shop several companies to assure you get the best policy.


Beneficiary: A You will need to choose a beneficiary when you activate your policy. Your beneficiary will receive a death benefit payout if you pass unexpectedly during the term of the policy.



Types of Term Insurance


Most policies are issued for a 5-year term or longer. Your premiums can remain fixed or step up during the term of the policy, at which time the premium may increase. The death benefit amount stays the same for the entire length of the policy.


Other types of term life insurance:


  • Annual renewable term: Provides coverage on a 1-year contract basis, with premiums increasing every year you renew
  • Decreasing term: Death benefit gets lower by a certain amount every year during the term
  • Increasing term: Death benefit goes up by a specific amount every year during the term—as the death benefit increases, the annual premium usually gets higher each year

Find out if term life coverage is right for you! Contact us today to discuss your life insurance options.

Final Expense

Final expense policies assure a dignified good-bye and no out-of-pocket costs for your loved ones. With a final expense policy, you have a plan in place, and peace of mind knowing that the financial aspects are handled. The policy offers more coverage than preneed plans. Coverage includes funeral costs, additional coverage for member’s medical and dental bills, survivors’ loss of employment income until burial arrangements are complete, and a cash benefit paid to the person arranging the funeral. All of the premiums and benefits depend on the policy you choose. Contact an agent today to learn more about available policies.

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