If you have dependents or other people with whom you share your LIFE, a sound life insurance program is the perfect solution. There are two basic types of life insurance needs: temporary and permanent.

Temporary needs include home mortgages or short-term debt reduction, family income and educational expenses and can last as little as one year or last 20 to 30 years or longer. Term insurance is the most cost effective method of insuring many short-term needs. There are a variety of plans to choose from for 10, 15, 20 and 30 years.

Permanent needs include those that last for your entire life or potentially for periods of 15 years or more. Permanent insurance needs include final expenses, funds to cover estate taxes and retirement savings protection. Permanent and universal life plans are ideally suited for meeting these goals.

The primary purpose of life insurance is to provide cash for your family in the event of your death to ensure that they can remain in their home and continue to maintain an adequate standard of living. There are a number of factors that determine the cost you pay for life insurance including:

If you are interested in obtaining more information or a quote, contact us. We also offer quotes on auto, home, long term care , and business insurance.