Life Insurance

Financial Protection for the People Who Count on You

When it comes to life insurance, there are different options. Each option can be tailored to fit your needs, whether you are a family looking to protect your household and assets or a business looking to protect your interests.

The two basic types of Life insurance are Term and Whole Life.

Term Insurance
People purchase life insurance for a specified amount of time. It provides coverage for a certain period in one’s life, and it is an excellent option for extensive coverage at a lower price. The term does not build cash value and when the term expires the coverage is over. If you keep it longer than the specified time, the price will often rise.

Whole Life
This life insurance product is a “Permanent Product.” The premiums are higher than a term life policy, but you can keep the policy for your whole life. It will build cash value based on dividends from the issuing company accessed during the time of the policy. This product can become valuable in the long run and is often a good option for a supplement to retirement planning and or business protection.

There are many variations of these products, and they can be mixed and matched to create your plan!

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7 Mistakes to Avoid when Buying Life Insurance

Are looking to buy life insurance but concerned about the cost, and overwhelmed by the amount of information you need to sift through to determine the right life insurance policy to protect your family’s financial future? If you’re in the process of researching your options here are 7 Mistakes to Avoid When Buying Life Insurance.

Life insurance – Balance your Needs with your Resources

Life insurance will provide a safety net for your family after you are gone. It will help cover the debt, provide income and help your family maintain the lifestyle they are accustom to. Everyone’s life insurance needs will vary depending on their financial and family situation, so that’s why it’s important to talk with a

Term life insurance – 4 things to help you determine how long you’ll need it

Term life insurance is available is many different terms. Use these questions to decide what length of term is right for you and your family. 1.    How long will your dependents need your income? The length of a term life insurance policy greatly depends on the number of years your dependents will need an income.

Understanding A.M. Best’s Rating System for Life Insurance Companies

How financially secure is your life insurance company? How will you know if they will be able to secure the financial future for your family when you’re gone? You can find out by using industry standard credit rating systems such as A.M. Best, Standard and Poor’s and Moody’s Investors Services. A.M. Best Company sets the

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