We take pride in the fact that, like our other product lines, we are an independent agency, aligned with over 20 different companies. We are focused on analyzing each individuals needs and aligning them with the product & company that the best fits their situation.
Life Insurance Products Available and Their Most Common Demographic Match:
Family with Children
Term is best suited to provide protection for your family in the event of death.
In addition to paying for your final expenses (funeral), Life Insurance provides a method to replace your income, pay off mortgage & other bills. It also could pay or help with college costs.
Life Insurance provides probate free transfer of assets and tax free accumulation of funds. There are hybrid products available that provide a method of accessing your death benefit to pay for Long Term Care or unexpected bills due to a critical illness. Some of these products also allow drawing structured tax free income through policy loans.
Life Insurance can also be used to Equalize Estates for people who have many children and large non-liquid assets.
Key man insurance provides funds to help with the transition after an untimely death of a key manager or owner. It creates a financial buffer, provides money to recruit & train a replacement.
Key man insurance also makes major creditors more comfortable.
Regardless of your need, you can be assured we will work with you to provide the perfect solution. As with all of our products, we use a consultative selling approach and never use high pressure tactics. Contact us for more details.