Life Insurance

This is the most popular and affordable type of life insurance. Term life insurance provides the means to pay off debts and support family members in the event of premature or unexpected death.

• Premiums and death benefits will remain unchanged for the duration of the policy term
• Available for terms of 10, 15, 20, 25, 30 or 40 years
• A physical exam may be required for higher death benefits
• Term life insurance is the least expensive form of life coverage

This form of life insurance may be written to cover you for longer lengths of time or a specified age (such as age 100 or age 121) and may be set up to establish cash value.

• Premiums may or may not fluctuate depending on how the policy is established
• A physical exam will be required
• Permanent life insurance is more costly than Term and Simplified Issue life insurance

This form of life insurance may be purchased after answering basic medical questions and going through the underwriting process. However, you may be declined if you have serious/chronic medical conditions.

• Premiums and death benefits will remain unchanged for the duration of the policy term
• No physical exam is required
• All applications will be subject to underwriting approval
• Simplified Issue life insurance is more costly than Term life insurance