Life Insurance

Term Insurance: Typically 1 to 30 years. Great choice for young families on a budget. If you are married and have children, this is a must.  Straight Term is affordable and gives your family peace of mind if an unexpected death happens.

Universal Life: Gives the owner the rights to vary the premium payments and the death benefits within prescribed limits. The rates of return on the cash values fluctuates according to the insurance company’s investment performance,  but will not fall below a guaranteed minimum rate of return

ASK YOURSELF THESE QUESTIONS:

• If your significant other, spouse, is a stay at home parent and dies how will the children be taken care of while you are at work?
• Do you have the financial backing to pay for childcare?
• If you die how would the house payment get paid?
• Would your spouse lose your home?
• How much time off work will they need to plan for your funeral?
• What is the financial burden on them?
• Do you own your own business?
• If you or a key person dies is there enough coverage to keep the business running?

If you are worried pick up enough life insurance to cover final expenses and give your significant other, souse, at minimum a year to recover from an unexpected death.

Already have Life Insurance? We can review your current policy and current finances to determine if you have enough coverage.