Life Insurance

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Life Insurance provides peace of mind that your family's financial future is secure. Life insurance can help your family:

• Maintain their current standard of living
• Pay the home mortgage
• Pay off debts, estate taxes, and final expenses
• Pay burial expenses
• Fund a child's education

There are several types of life insurance available to meet your needs. The two main categories of life insurance are term insurance and permanent insurance.

Term life insurance offers protection during a specified period of time, usually one to 20 years. If you stop paying premiums or live beyond the specified period of time, the insurance stops.

If you have anticipated responsibilities for certain time periods, then a term life insurance policy is a good fit. For example, you may want to buy a term policy that matches the duration of a home's mortgage or a child's education to ensure your loved ones are protected if anything happens to you. Term life insurance is an affordable way to get maximum coverage.

Permanent life insurance is protection for life, as long as you pay your premiums. These policies offer more flexibility and options to choose from. They can build equity in the form of a cash value.

If you are interested in a lifetime of coverage, then a permanent life insurance policy is a good fit. Initially, the premiums are higher than the term life insurance, but it may be more cost effective in the long run.

You are not limited in your life insurance options. A combination of term and permanent life policies may best meet your needs.