Should the worst happen, we help you have some peace of mind, knowing your loved ones are protected financially with an affordable life insurance policy.

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We take the confusion out of choosing a suitable life insurance policy. Based on your individual situation and needs, we will match you with the type of life insurance that fits your unique situation.  

 

Term Life Insurance

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Term life insurance is more affordable and lasts for a set number of years — usually 10 to 30. Typically it is well-suited for those who want to provide a financial safety net for their family in the event of their death. If one dies during their term, their beneficiary will receive the payout from their policy, commonly known as the death benefit — which is typically paid out as a tax-free lump sum. 

 

Permanent Life Insurance

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A permanent life insurance policy provides protection throughout the entire life of the policy holder, while term insurance provides coverage only for a specified number of years. As with term coverage, the death benefit is typically paid out, income tax-free, to beneficiaries. While it is significantly more expensive, permanent life insurance never expires and comes with an investment-like cash value account that can be used while the policy holder is alive. One can tap into their cash value by borrowing against it, using the funds to pay premiums, making withdrawals, or surrendering their policy, 

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The type of life insurance you choose will ultimately depend on your budget and your coverage needs.