Monthly Archives: November 2015

Long Term Care Insurance (LTCI)

Long-Term care insurance refers to coverage for the services needed by someone who cannot perform some of the basic Activities of Daily Living (ADLs) such as bathing, eating, toileting, continence, and moving around freely.  There is no absolute standard for determining when this long-term care will be needed.  The levels of care can vary widely.…
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Life Insurance – Whole Life

You grow up.  Get a job.  Buy a home.  Maybe start a family.  Over time, all these things grow in value.  And as they do, you have to devote more time and thought to their care and protection.  That’s life.  And it’s a lot of responsibility.   Whole life insurance can help you protect your…
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Life Insurance – Universal Life

Life changes.  You get married, you need life insurance.  You have kids, you need more insurance.  Suddenly the kids are all grown up and the mortgage is paid off.  Now, maybe you don’t need as much coverage as you used to.  It’s clear that your need for life insurance changes along with your life.  That’s…
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Term life insurance policies offer coverage for a variety of periods.  Depending how long you need coverage for, the term can be 5, 10, 15, 20, 25 or 30 years.  How long do you need life insurance coverage for?  Maybe you only need it for student or vehicle loan.  Or maybe you need coverage for a mortgage or business loan.  Or maybe you need income protection for your family should something happen to you.  Whichever your situation, there is a term life policy to provide a solution.


Term life insurance policies guarantee your loved ones a death benefit if anything happens to you while the policy is in force.  So instead of leaving your family with debts to pay, you’ll leave them financially secure.  And remember, the sooner you start, the lower your premium will generally be.


Benefits of Term Life Insurance

  • Low premiums because coverage is for a specific period of time
  • The initial premium is guaranteed for the term you select – 5, 10, 15, 20, 25 or 30 years
  • You may continue coverage beyond the original term of the policy at an increased cost
  • You may convert it to a policy with premiums and coverage that last as long as you live
  • You can pay your premiums annually or monthly


One of our life insurance agents can help you find the right policy based on our discovery of needs.  Contact us for more information.