
Life Insurance
Along with Disability Income coverage, our Agency specializes in Life insurance planning. We have long-standing relationships in place with industry leading carriers. We consistently deliver superior underwriting, product pricing and most importantly, sustainable life insurance solutions.

Types of Life Insurance
Term Life
Term Life Insurance is strict protection providing a specified death benefit with a premium guaranteed for a specified number of years (the term). Typically, premiums are guaranteed for 10, 15, 20 or 30 years. At the end of the term, premiums increase significantly and renew annually thereafter. Term insurance satisfies the need for protection for a specified number of years at a nominal cost.
Indexed Universal Life
Variable Universal Life Insurance
Permanent Insurance
This type life insurance includes a death benefit and cash value component and is called “permanent” in that coverage can be maintained for one’s entire life. The most common types of permanent insurance are Traditional, Indexed, Variable Universal Life and Whole Life.
Traditional Universal Life
Whole Life
Determining the Appropriate Amount
of Life Insurance?
A sample rule of thumb is figuring you need 15 to 20 times your annual income. Put another way, assuming a lump sum benefit were invested, what would it yield in terms of an annual income for survivors? In order to accurately determine the appropriate amount of life insurance in order to satisfy your particular needs, a comprehensive needs analysis is recommended.