Life Insurance

Simply put, it makes a difference in your Profile, Budget and Agent. A professional agent gives you options based on your age, income and choice of carriers … RESOURCES and your CHOICES!

Term Life

  • Term Life pays a Death Benefit for a Term
  • Usually is a defined time period
  • Read you policy and ask your agent

Single Premium Life

  • Provides coverage or benefits on a single premium
  • Benefits and Value focused on available funds
  • May be a “hybrid” of Term and Whole life

Universal Life

  • Cash Value and Death Benefit
  • Different than “just” whole life
  • Options for growth for clients 
  • May have certain guarantees
  • Indexed Universal Life provide growth and benefits options
  • Insured does not have to “die” to collect benefits in some cases
  • Tax benefits may be substantial and not just deferred
  • Profile of Individual important

Whole Life

  • Cash Value with Death Benefit
  • Usually premium payment for life if modal pay
  • May be lower death benefit options
  • Some “hybrid” approaches with term appearance
  • Profile usually older ages