Life Insurance

Life insurance offers essential financial security to individuals and their families. Whether it’s helping with day-to-day bills or safeguarding your future, life insurance provides peace of mind during life’s uncertainties.

Life insurance can help cover expenses like:

  • Funeral costs
  • Mortgage or rent payments
  • Outstanding debts
  • Childcare expenses
  • College tuition costs

Without life insurance, your family may struggle to make ends meet. Life insurance can help alleviate some of the financial burden and give your family the means they need to move forward.


Types of Life Insurance

  • Term life insurance provides coverage for a specific period of time, typically 10-30 years. If you pass away during the term, your beneficiaries will receive the death benefit. If you outlive the term, the policy will expire and you will no longer have coverage. This type of insurance is typically less expensive than permanent life insurance.
  • Permanent life insurance provides coverage for your entire life, as long as you pay your premiums. It also includes an investment component, which allows you to build cash value over time. This type of insurance is typically more expensive than term life insurance.
  • Return of premium is a type of term life insurance as it is in force for a set number of years. However this type of coverage allows you to get those monthly premiums back if you’re still living at the end of the policy period.

Choosing the Right Policy

Choosing the right life insurance policy can be a daunting task. It’s important to consider your family’s financial needs and your budget when making your decision. Our insurance advisors can help guide you through the process and help you choose the right policy for you. Whether you choose term life insurance or permanent life insurance, it’s important to choose a policy that meets your family’s needs and fits within your budget.