We work with a wide variety of life insurance companies to provide you the most competitive monthly premium for your needs.

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Term Life Insurance

Term life covers you for a set amount of time, most commonly 10, 20 or 30 years. It is also referred to as temporary insurance. If death occurs during the term, the policy pays cash benefits to the beneficiary. However, once the term is over and if the policy is not renewed, the policy will terminate with no cash paid out to the policy holder or beneficiary. 

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People who buy term life usually select a time-span that will cover the family until the children are out of school and financially independent. The term that is right for you depends on the ages of your children, the number of years before you retire and other factors- such as mortgage payments, debts and income replacement. 

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Since term insurance is "temporary", it is less expensive than Whole Life Insurance. 

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Whole Life Insurance

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Whole life insurance offers coverage for the full lifetime of the insured. This type of policy gives you life insurance coverage with a savings feature. As a result, you may end up paying higher premiums in the beginning.

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Your insurance company puts part of your insurance money in a high-interest bank account, and with every premium payment your cash value increases. You can also participate in your insurance company's surplus and receive dividends annually. Whole life is most suited for people who are young and can afford to pay it over the long term. 

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