​

LIFE INSURANCE

​

Life insurance is a crucial step in planning for your future and the future of your loved ones.

​

• Term Life Insurance (10; 15; 20; 30; 35 term life insurance) provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

​​

• Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

​​

• Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

​​

• Final Expense for people whose can not purchase a standard life insurance protection.

​​

• Qualifying for Living Benefits policy:

  • Critical Illness ​= open heart surgery, angioplasty or myocardial infarction, life threatening cancer, stroke, major transplant, end-stage renal failure

  • Chronic Illness = Inability to perform two of the six activities of daily living (dressing, toileting, transferring, continence, eating, bathing)

  • Terminal Illness = Life expectancy of 12 months or less