Term Insurance

Term insurance offers you the best possible coverage for the best possible rates.  If you have a short term need, like Collateral on a personal or business loan or a growing family who will be out of the nest in 20 years, Term insurance offers affordable death benefit protection.  Most products offer fully guaranteed, level premiums for the selected term period of 10, 15, 20 or 30 years.  
Key Benefits

  • Lifestyle protection, Mortgage protection, Survivor income & Charitable gifting are just a few of the personal family markets available
  • Business Insurance at an affordable annual cost for key employee coverage or buy-sell funding agreements.
  • AFFORDABILITY:  As a new married couple enter the adult financial responsibility phase of their lives, the first  thing they should consider is term insurance as basic coverage should their loved ones be forced to live without them with unexpected expenses such as outstanding bills, taxes, legal costs or funeral charges.

Customize Your Policy

  • Guaranteed Insurability Rider:  With this provision the face value of you policy can be increased in the future without proof of good health.
  • Waiver of Premium Rider:  Planning for the future is ultimate goal with this option.  Should you become disable for 6 months or more before the age of 60, (each company criteria is different) the insurance company will waive payments on your life insurance policy making it free for the term of the disability.
  • Children's Term Rider:  Provide a death protection for you precious significant natural and adopted children & stepchildren with this low cost term option.
  • Return of Premium Rider:  Should you outlive you policy term, the entire premium you have paid into this policy will be refunded to you making the policy a win/win situation.  
  • Protected Insurability Rider:  This rider is used for the younger generation, our children,  to increase their coverage without proof of good health required.  Those kids 25-40 years of age, benefit with lower premiums and larger face amounts to the re-assurance and comfort of loving parents.
  • Accidental Death Benefit:  Should you die as a result of an accident.  Falling, crashing car accident, an additional death benefit is added to your policy. Sometime the face value doubles or is multiplied by 1.5 percent.

Use the form below to request more information:
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