There are many types of life insurance available. The most common include:

* Low Cost Term Insurance

* Universal Life Insurance

* Whole Life Insurance

Any of the above types of life insurance can be used for your personal, family, estate, or business needs.

* Whole Life Insurance is the most expensive. By paying a premium specified in the policy, this type of insurance guarantees that your coverage will stay in force for the rest of your life. Whole Life Insurance builds cash values that can come in handy should one have an emergency and need to borrow cash values at a low interest rate.

* Universal Life Insurance is less costly than whole life insurance. It is a form of permanent life insurance characterized by its flexible premiums. Like whole life, universal life builds cash values. The cash values in a universal life policy help off-set the higher cost of insurance as one grows older. This allows for a lower premium structure than whole life since cash values are used to keep one's premium lower throughout the life of an insured, assuming interest rates stay above a certain rate and mortality rates stay the same.

* Term Life Insurance is the least expensive. This type of insurance is for a specified period of time, for example, 10, 15, 20, or 30 years. Term life insurance is convertible to a whole life or universal life plan in most cases if converted before age 75. This provides one with flexibility as one's situation changes or as one gets older.

What type and amount of insurance is best for you?

The amount and type of life insurance you select should be dependent on your personal and financial needs. We can assist you in determining the appropriate coverage amount and help you decide on which type of life insurance is right for you.

Call us or stop by next time you're in the area and we'd be happy to give you a No Obligation Quote or fill out our on-line quote request form.