Life Insurance

Protecting your life, your family and your assets.

What is life insurance?

Life insurance is a way to protect your family, pay off your debts, protect your assets and provide you with peace of mind.

You can be rest assured that if something were to happen to you, everyone and everything in your life would be financially taken care of. 

Life insurance young family holding a baby

What types of life insurance are available?

Term Life Insurance

  • Low cost coverage with terms ranging from 5 – 50 years
  • Tax-free payment to your beneficiary 
  • Pay off debts such as your mortgage, credit card and loans
  • Payments do not increase during the term
  • Can be converted to permanent life insurance
  • You can cancel without penalties

Whole Life Insurance

  • Participating whole life insurance lasts forever and does not expire
  • Tax-free payment to your beneficiary
  • Guaranteed cash values that grow tax-free
  • Ensure your family receives the money they need
  • Ensure your estate has liquidity for taxes and immediate needs
  • Flexible payment options

Universal Life Insurance

  • Universal life insurance lasts forever and does not expire
  • Tax-free payment to your beneficiary
  • Guaranteed cash values on some policies
  • Flexible and diverse range of investment options
  • Ensure your estate has liquidity for taxes and immediate needs
  • Flexible payment options

Insurance designed for business owners

Business-Owned Life Insurance

Buy Sell Insurance for Business Partners

Low-Cost Life Insurance Solutions

Group Benefits

How does life insurance work?

A life insurance policy is a legal contract between you and an insurance company.

In exchange for you paying premiums, the life insurance company guarantees to pay a one time tax-free payment to the beneficiary of your choice when you pass away.

Other highlights include:

  • You can choose the amount of coverage you want.
  • You can choose the amount of years you want coverage for.
  • The life insurance is paid tax-free to your beneficiaries.
  • Some life insurance policies come with a cash value, which grows tax-free, and you can access any time you need it.
  • You can pay monthly, annually or with an IFA.
  • Depending on your age and health, you may be able to get instant approval without providing medicals.
Life insurance husband mother two children

How much does life insurance cost?

Several factors determine the price of life insurance, including: 

  • Amount of insurance needed
  • Age
  • Health
  • Gender
  • Occupation

How much life insurance do you need?

If something were to happen to you, you want to make sure whoever you leave behind is financially taken care of and your debts are paid for.

Here are a few points to consider:

  • How much will your family need if you prematurely died?
  • How much debt do you currently have?
  • What are your childrens financial needs?
  • Is there anyone else you want to leave money to? Other family member? Charity?

Protecting your health and your income

There are a variety ways to protect your monthly income and your health in case of an emergency.

Critical Illness

Protecting yourself against dozens of major health issues.

Disability insurance

Ensuring you receive a monthly income in case of an emergency.

Health Plans

Customized individual and family health plans for your medical needs.