Individual Life

Term Life Insurance

Life Insurance protection for short term needs.  An ideal product for existing or new business, loan protection and family protection.

Options Available:

• 5, 10, 15, and 20 year terms

• Single and/or Joint Term

• Disability Income Rider

• Disability Waiver of Premium

• Children’s Level Term Rider

 

Universal Life Insurance

The right plan for people who only want to buy life insurance once in their lives.  Permanent coverage that remains in effect for as long as sufficient premiums are paid.  Like Term Life Insurance, Universal Life pays a death benefit.  But, unlike Term, it accumulates cash value that earns tax-deferred interest.

 

There are products available for young couples seeking a steady, reliable plan that provides a death benefit.  We also have products which pay higher interest rates and work well for older families.

 

Single Premium Whole Life for Children

The gift of future insurability for the young person you love.  Designed to provide insurance protection during the childhood years, then serve as a foundation for later financial security.  At age 25, the insured can purchase another policy with a face value amount equal to 10 times the present coverage, not to exceed $100,000.  This policy will be issued regardless of the insured’s health or occupation.

 

Options Available:

• Children - Ages 0 through 15

• Face Amounts of $2,500., $5,000. or $10,000.

 

Single Premium Whole Life for Adults

You can purchase a Single Premium Whole Life policy and your cash value accumulates on a tax-deferred basis.  The benefit payable to your heirs is greater than the single premium you pay today.  The benefit passes to your designated beneficiary without cumbersome income taxes.

 

Options Available:

• Adults Ages 65 through 85

• Non-Smoker or Smoker Rates

• Face Amounts of $2,500., $5,000. or $10,000.