Life Insurance

Keep your assets in the family

Let’s face it, most people don’t enjoy end of life discussions, but leaving your family at a loss isn’t good either. Let’s work together to get to make sure your family is covered.

Why life insurance matters

Family

Life Insurance isn't about you, it's about providing for the people you care about the most, even after you're no longer here to do so.

Promises

You've made promises and a responsibility to meet those promises. Life Insurance is a tool that helps your family do that.

Time

After the sudden loss of a primary earner, many survivors have to make sudden decisions. Often, when they're not emotionally ready to. Life Insurance buys them time.

Money

While your family is making decisions on how to move forward, Life Insurance provides them with the immediate cash they need to support their lifestyle.

Did you know?

After you die, your income disappears, but your debts don’t. Not having life insurance, or not having enough life insurance, could force your loved ones to make difficult decisions at a time when they’re grieving your loss.

Families without adequate life insurance are often forced to sell assets like your home,  and to raise funds for your funeral, counseling, etc. Your chance to leave a legacy is lost, and your family is left managing not only your loss, but many other losses as well.

Frequently Asked Questions

Life insurance is a contract between you and an insurance company. In exchange for regular premium payments, the insurer provides a death benefit to your beneficiaries when you pass away. It is designed to provide financial protection and support to your loved ones in the event of your death.

There are several types of life insurance, including term life insurance, whole life insurance, universal life insurance, and variable life insurance. Each type has unique features and benefits. Term life insurance offers coverage for a specific term, while permanent policies like whole life provide coverage for your entire life.

The amount of coverage you need depends on your individual circumstances, such as your income, expenses, debts, and financial goals. It’s advisable to conduct a thorough financial analysis or consult with a financial advisor to determine the appropriate coverage amount.

Several factors impact the cost of life insurance premiums, including your age, health, lifestyle, coverage amount, and the type of policy. Generally, younger and healthier individuals with lower coverage amounts pay lower premiums.

Yes, many life insurance policies offer flexibility. You can often adjust your coverage amount, switch between policy types, or add optional riders to customize your policy to meet changing needs. Be sure to check the terms and conditions of your specific policy.

When the policyholder passes away, the beneficiary or beneficiaries should contact the insurance company to initiate the claims process. They will need to provide necessary documents, such as a death certificate, and complete any required forms. Once the insurer verifies the claim, they will provide the death benefit to the beneficiaries.

Connect with a life insurance agent

Let’s customize a strategy that works best for you.

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