PROTECTING YOU FROM THE UNEXPECTED
Plans designed to help protect to you and your family from what you foresee – events that can have a lasting impact on your finances and way of life. Employee packages include basic life options that usually decrease, change, or terminate at when the employee leaves the job. Who would you trust to handle your family’s financial security, your employer or YOU?
- Life insurance:
Your family is your top priority. Your financial needs, goals, and dreams will change, but your family will always need protection. Life insurance can provide a sense of security, and potentially include Living Benefits to assist you and your family when you need it the most. Available on payroll deduction.
- Whole Life:
Also known as permanent protection; whole life coverage provides the certainty of level premiums, a guaranteed interest rate, and a guaranteed death benefit. Whole Life provides the extra security of guaranteed protection at affordable rates, yet it accumulates cash value that can be used for life purchases or retirement.
- Term Life:
TERM POLICIES BUILD NO CASH VALUE AND ARE DESIGNED FOR DEATH BENEFIT ONLY. THE PREMIUMS MAY BE LEVEL FOR THE FIRST 10, 15, 20 OR 30 YEARS, DEPENDING ON THE NEED. BECA-- USE THE DEATH BENEFIT PROTECTION IS FOR A LIMITED PERIOD, THE PREMIUM IS OFTEN THE LEAST EXPENSIVE TYPE OF COVERAGE.
- Indexed Life:
INDEXED LIFE IS A TYPE OF UNIVERSAL LIFE THAT COMBINES DEATH BENEFIT WITH THE OPPORTUNITY TO GROW CASH VALUE THROUGH AN ACCOUNT THAT CREDITS INTEREST BASED UPON THE UPWARD MOVEMENT OF STOCK MARKET INDEXES, WITHOUT THE RISK OF INVESTING DIRECTLY IN THE MARKET. THE INDEX ACCOUNT FEATURES A ZERO PERCENT FLOOR WHICH GUARANTEES YOUR ACCOUNT WON’T EARN LESS THAN ZERO PERCENT DUE TO POOR MARKET PERFORMANCE.
- Guaranteed to Issue:
Some struggle with heath challenges and would traditionally be denied coverage. We have opportunities to guarantee protection for those who may not have other options.
- Portable from Job:
After you retire or leave your job, our plans stay with you. Money invested in your future and your family’s protection will continue as you planned.
- College Planning and childrens coverage:
Guarantee coverage for your children that can build cash value and start a college fund. Provide a jump-start for your children and ensure a financial future for them to build on as they grow.
- Accidental Death / AD&D:
When an accident causes a fatality or loss of limb; accidental death and dismemberment insurance offers additional protection to help your family financially through the crisis. Available on payroll deduction.
When an accident happens, your plans and routines can come to a sudden stop. Accident insurance helps you plan for the unexpected and can be coupled with other coverage for the lowest premium and best benefit. Available on payroll deduction.
- Critical Illness:
It’s difficult to anticipate the extra expenses a serious illness may bring, but you plan for them with critical illness insurance. Sometimes this can be paired with a life insurance plan to get the best of both worlds at a fraction of the cost. Available on payroll deduction.