The Facts About Life Insurance

A life insurance policy assures the family of financial survival in the event of the unexpected death of a breadwinner. After a short consultation to determine the needs of the client, we shop those individualized needs with over 20 companies to ensure that the best policy at an affordable price is offered.  Some of the main types of insurance include:

TERM - This coverage is in place for a specific time period or "term". It is often used to ensure all debts and income replacement needs are met in a time of loss.

WHOLE LIFE - This coverage is in place for one's "whole life". It is often used to cover permanent "final expense" needs throughout ones lifetime.

UNIVERSAL LIFE - This is a flexible product that allows the consumer to customize his/her own insurance plan to meet more specific needs.

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