Life Insurance

 In simple terms, life insurance is an affordable way to protect your family financially in the event you’re not there to take care of them. 

Life insurance can help with things like paying the mortgage, college tuition, final expenses and more. 

 Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. 

Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate. 

 Whole life insurance covers you for the rest of your life, regardless of how long you may live. 

As long as you keep paying the premiums, your beneficiaries will receive the death benefit when you die.

 This policy is highly suitable for long-term responsibilities such as a dependent adult child's care or post-death expenses like estate taxes. 

  Variable Life Insurance, also known as VUL, allows flexible premium payments, allowing you to choose the amount and the frequency of your payments within certain limits.

 A VUL policy provides access to many different investment options to better fit your life insurance needs