No one likes to talk about death, but it is inevitable. We want to make sure that you and your family will not have to worry about money while grieving. Insurance is also a helpful tool to donate to charities, leave a legacy, pay funeral costs and estate fees.
Talk to a professional to find out what you need and make a plan.
Term:
Term insurance is the simplest form insurance that can cover you for a large amount but only for a certain amount of time (ex. until your kids move out). It is a great product for young people just getting started.
Whole Life:
Whole life (permanent) insurance will cover a person until he/she passes. It has neat features like a Cash Surrender Value where you can cancel and receive money back, or Premium Offset where your insurance coverage might no longer cost you anything!
Universal Life:
This is for the involved investor who likes to have flexibility with their coverage. It is a unique product that has investments within the insurance policy to help pay for the insurance.
Living Benefits:
With this insurance, you can receive monthly payments if you become disabled with Disability Insurance, or a lump sum payout if you survive a serious condition (heart attack, stroke) with Critical Illness Insurance.