Life Insurance

Life insurance provides your family with financial protection in a time of loss and uncertainty. We can help you choose the coverage that best suits your family’s needs, so you’ll have peace of mind knowing that your loved ones will be financially secure after your death. Send an email to Michael to request a consultation.

  • Term Life: Provides insurance for a set period, from one year up to 30 years, after which you may have a renewal option (although you will have to re-qualify, and your premiums will increase).
  • Whole Life: Permanent protection with a constant face amount with fixed premium amounts until the maturity date (age 100).
  • Universal Life: Choose the initial death benefit amount, but have the power to change it any time after the initial payment.
  • Variable Universal Life: A form of Whole Life insurance, which combines the flexibility of Universal Life’s death benefits and premium choices with even more investment choices.
  • Accidental Death & Dismemberment (ADD): With coverage up to $300,000 or more, benefits can help with hospital expenses, grief counseling, child care and college education expenses.Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It’s a subject no one really wants to think about. But if someone depends on you financially, it’s one you cannot avoid.

There are many types of life insurance, but for all of them the bottom line is the same: They pay cash to your family after you die, allowing loved ones to remain financially secure. Life insurance payments can be used to cover daily living expenses, mortgage payments, outstanding loans, college tuition and other essential expenses. And, importantly, the death-benefit proceeds of a life insurance policy are almost never subject to federal income taxes.

If you’ve worked hard to establish a solid financial framework for your family—investments, home equity, a savings plan, retirement accounts—life insurance is the foundation upon which it all rests. It can guard against the need for your loved ones to make drastic changes to future plans when you die. Certain types of life insurance even have a built-in cash-accumulation feature that can help you reach savings goals.

Most Americans need life insurance, and many who already have it may need to update their coverage.