Who We Protect

Single People


 Buying life insurance as a young, single person is a smart move because the cost of coverage is based in large part on your attained age when you apply for coverage. By buying a policy when you’re young, you can lock in insurance at the least amount of coverage and at some of the lowest rates. Single people often buy life insurance to ensure their loved ones will have money available to pay for final expenses, including funeral costs, cremation and/or burial. Life insurance can also provide needed funds to pay off your debts, so your loved ones aren’t left to figure out how to pay for them.

If you are single and others depend on you for support, maybe it's a committed partner, a parent or a sibling, life insurance can help by providing income replacement that can continue to support them when you die.

Families & Couples


 Married couples often share expenses, such as mortgage or rent payments, utilities, and credit card debt. If one spouse was to die prematurely without life insurance coverage, the other might find it difficult to continue the same standard of living and will be solely responsible for the couple’s joint debts.

 With the proper coverage, you can also rest easy knowing your family will never lose their home, even if an unthinkable tragedy should occur.  

 Life insurance death benefit proceeds can remove those financial worries. Not just worries from the every day expenses but also final expenses, funeral and burial costs.

Coverage For Seniors


 Retired seniors generally do not need life insurance protection to replace their income and may not need it to provide funds to pay off a mortgage loan. However, there are several other reasons seniors may consider purchasing coverage.

One of the most common uses for life insurance for seniors is to provide a ready source of cash to cover the costs of dying. Final medical expenses, the cost of a funeral or memorial service, and burial or cremation can add up.  Final expense insurance can mean your loved ones won’t need to worry about how to pay those expenses.

Business Owners


 Business owners can also use life insurance to protect the business and their loved ones from the consequences of a premature death. Using life insurance to fund a buy-sell agreement can provide the funds your business partners need to buy out your share of the company. Key person life insurance is another way to provide the business with the funds it would need to hire your replacement or otherwise continue the business without interruption. 

Retired Individuals


Seniors who are entering their retirement years often rely on life insurance policies to pay final expenses. Life insurance can also be used to create a powerful financial legacy for future generations or for charitable beneficiaries. Also, seniors concerned about state and/or federal estate tax obligations can use life insurance to provide liquid assets which can be used to pay those taxes, easing the strain and burden on the next generation. 

Empty Nesters


 While the amount of life insurance needed can change over time, parents of children who have grown and flown the nest may still need life insurance to pay off the mortgage or other debts, and to continue funding their spouse’s day-to-day life.  Of course it is also designed to create a financial legacy for future generations.

Types Of Protection

Mortgage Protection

 A home mortgage is typically any American family’s biggest investment and their largest monthly expense. Mortgage protection insurance is more than just a safeguard, it's an investment into your family’s future. With the proper coverage, you can rest easy knowing your family will never lose their home, even if an unthinkable tragedy should occur. 

7 out of 10 American Households are dependent on two incomes.

Final Expense

 Final expenses are costs that arise at the time of a person's death, including burial costs and medical expenses. Final Expense is a whole life insurance policy designed to pay off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unplanned costs. 

Average funeral costs are $9000

Term Life Insurance

 Term life insurance is considered the most affordable type of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health. Many term life plans can be purchased without the need for a physical exam. We offer several term life options so that the coverage you select best matches your needs. 

50% of Americans are without life insurance.

Universal Life Insurance

 Universal Life is a permanent life insurance with flexible premiums and adjustable benefits. In addition to its cash values, which can be used for children’s educations, it can supplement retirement income and be used for incidental expenses. 

This plan is considered to be the most flexible type of life insurance.  Additionally, you will find some great tax savings benefits.

Retirement Protection

Planning for retirement whether that is 5  years away or 25 years down the road, is something each of us needs to consider. Our financial services division,  is here to help you make smart choices about how much money you save, and what retirement planning savings vehicles you use.  This can mean the difference between having the income you need in retirement to live the lifestyle you want, or struggling financially. There is no one-size-fits-all solution when it comes to saving for retirement.

Disability Insurance

 Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury.  For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens. 

Types of Protection Continued

Critical Illness

A cancer diagnosis, heart attack or other unforeseen health crisis could leave you unable to earn an income, adding financial stress to an already emotionally stressful situation. Unfortunately, your mortgage or rent payment and other monthly expenses will still need to be paid. On top of those obligations, medical bills can quickly pile up. If you aren't able to work, you may not have the means to pay those bills.  

Critical illness insurance is a policy that will pay out a benefit as a lump sum if you are diagnosed with a critical illness or condition specified in the policy. This can relieve or lessen the financial strain that can come with critical illnesses, so you can focus on getting better. 

Whole Life Protection

 Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate. These policies are also known as permanent or traditional life insurance.  

  To build cash value, a policyholder can remit payments more than the scheduled premium. Additionally, dividends can be reinvested into the cash value and earn interest. The cash value offers a living benefit to the policyholder. In essence, the cash value serves as a source of equity for the policyholder.