Who Need Life Insurance

  • Those with dependent children
  • An older family member who depends on your wages
  • People who need help meeting their retirement goals
  • Newlyweds
  • A young couple planning to start a family
  • A current homeowner
  • Families with special needs children

Did you know that you can access all or part of your death benefits while you are alive by adding an Accelerated Benefit Riders (ABR) to your life insurance policy!! Use of the funds is unrestricted once you qualify. Benefits can be used to cover the following, but not limited to:

  • Household expenses
  • Adult Day Care
  • Home modifications
  • Bills
  • Nursing home care

Regardless of your life stage, life insurance could prove to be one of the most valuable financial decisions you ever make.

Types of Life Insurance



Low initial premiums make term insurance a practical alternative to permanent coverage, however, term premiums will eventually increase.


Final expense insurance, also known as burial insurance, is a type of life insurance that is specifically designed to cover outstanding expenses and funeral costs after a loved one passes away, Unlike pre-paid funeral plans, final expense insurance can be used by the beneficiary you designate as and where needed rather than being limited to specific funeral services and providers. With the cost of an average funeral running into the thousands, a final expense policy can provide much-needed protection from not only burial expenses but leave your loved ones with money for living expenses.

Coverages range from $5,000 to $50,000. Final expense policies generally don't require a medical exam, but premiums will be higher the older you are. Once approved, your benefits will never be reduced or canceled regardless of changes in age, medical condition, or occupation, as long as the monthly premium is paid.



Considered to be the most flexible type of life insurance. UL provides both premium flexibility and death benefit flexibility. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis.


As long as the policy owner continues to pay the premiums, there will be guaranteed death benefits, level premiums, and cash value accumulation. These policies are designed and priced for an individual to keep over a long period of time.