Life Insurance

Life Insurance is “Peace of Mind”. Life insurance is an important tool that should be a part of everyone's plan to protect against financial loss at death. We research thoroughly and find coverage and rates to meet you and your family needs! Whether you’re looking for coverage for a specific period of time or lifelong protection, the right Life Insurance coverage allows you to freedom of knowing your love ones are protected. All of our subsidiaries share our vision and core values, and all work hard to ensure the financial success of our customers, share owners, distribution partners and employees.


Are you and family members covered?

We can never estimate what life's future holds.

Term life insurance provides coverage for a per-defined period of time and premiums can be fixed for that period. Depending on the specifics of the policy, the death benefit may stay the same for as long as 30 years.

Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage end. This type of insurance policy contrast with permanent whole life insurance, in which duration extends until the policy owner reaches 100 years of age.

Whole life insurance on the other hand is a form of permanent life insurance, which means that in addition to insurance, the policy also has a savings component. A part of the premiums paid by the insured person goes towards insurance, while the remaining is invested and builds a "cash value".

Resources

National Association of Insurance Commissioners
www.naic.org
www.naic.org/consumer_glossary.htm

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