Frequently Asked Questions

We offer a range of life insurance options including Term life, Whole life, Universal life insurance and Final Expense. 

The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our agents can help you determine the appropriate amount of coverage.

-Term life insurance provides coverage for a specified term. Typically 10,15,20 and 30 year options. You get a higher death benefit for lower premium, but coverage is not permanent. Term policies do not gain cash value. There are Term with Return of Premium options. At the end of the term, you will receive the money that was paid into the policy or opt to turn it into a paid-up policy. This option has a higher premium than a Term Policys, yet lower than Whole Life in most cases.

-Whole life insurance provides coverage for your entire life and includes a savings component. These do gain cash value and come with living benefits as well.

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