We want to be your life insurance agent for life.

For something as important as life insurance, there’s no substitute for the personal touch of an experienced agent. As your family changes, so does your life insurance requirements, you can count on our professional agents to be there when you need us.

When you contact us to request affordable life insurance information, we will work with you to understand your financial objectives.

When we understand your requirements, we do a no-obligation search of hundreds of life insurance plans, and bring you an apples-to-apples comparison of those that meet your needs. Since our fee’s comes from the life insurance company, not the policyholder, there’s a very good chance we can get you a significantly lower rate on the coverage you need.

There are several types of Life Insurance plans available, our local agents will assist you in creating the plan design that best fits your needs.

Term life insurance is an insurance policy covering a person’s life for a specified number of years. It is often offered with a guaranteed premium for a particular number of years. Term life does not have accumulated cash value. Accumulated cash value generally is the distinction between term life insurance and whole life or universal life insurance. Cash value policies are initially much more expensive than term life insurance policies for the same amount of coverage.

Universal Life Insurance – A combination flexible premium, adjustable life insurance policy

Whole Life Insurance – Life insurance which might be kept in force for a person’s whole life and which pays a benefit upon the person’s death, whenever that might be.

How much coverage do you need? There is no set rule as to how much insurance you need to purchase. You need to decide how much life insurance you want to leave your dependents to carry on in your absence. You have to decide how much support you wish to provide. Many financial planning experts recommend 10 to 20 times your annual earnings. For business life insurance the amount is often even more. For many the answer is simply the amount makes you feel your family is safe.

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.