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Life Insurance
Term Life
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Insurance-Term LifeInsurance is an important investment.It should be there when you need it. Term Life insurance will provide individuals with affordable and flexible protection that can easily be customized to fit client needs. Term options include: T10, T20, T-30, T35, T40, T65 and T75. Renewal rates are contractually guaranteed; Conversion to permanent coverage without additional underwriting is also possible. Ideal for individuals and families looking for: Ideal for business owners looking for: Joint first to die, joint last to die and multi life policies are also available. |
Life Insurance - Permanent Life Insurance
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Insurance-Permanent Life InsuranceInsurance is an important investment.It should be there when you need it. Permanent Insurance offers a stable lifelong solution to individuals who have long term insurance and financial needs. Most often used for personal or corporate estate planning. A variety of products are available. Ideal for individuals or business owners who want: |
Participating Whole Life
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Insurance – Participating Whole LifeInsurance is an important investment.It should be there when you need it. Participating Whole Life offers lifelong coverage that is designed to help clients increase their cash values over time and maximize their wealth on a tax-deferred basis. This type of product is designed with guaranteed features such as: In addition, the policy will be credited with dividends giving policyholders the ability to participate in the insurance company profits. Those dividends could be used in number of ways: Designed for individuals, families and business owners looking for: |
Universal Life
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Insurance – Universal LifeInsurance is an important investment.It should be there when you need it. This product combines permanent life insurance and tax-advantage investment opportunities to provide clients with custom-designed solutions that are ideal for tax and estate planning. Plan’s features: This plan is ideal for: |
Non-Medical (Simplified) Life Insurance
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Insurance – Non-Medical (Simplified) Life InsuranceInsurance is an important investment.It should be there when you need it. Non-medical insurance requires no medical examinations or special tests. This type of insurance is intended for individuals who are difficult to insure due to poor health or for life style issues. You may also qualify if you have been refused with another insurance company. Qualification is based on a few simple questions. Your premium will never increase and your coverage will never be decreased. |