Life insurance is a contract between an individual  and an insurance company. In exchange for regular premium payments, the insurance company agrees to provide a lump-sum payment, known as the death benefit, to the designated beneficiaries upon the death of the insured person.

Types of Life Insurance:

• Term Life Insurance: Provides coverage for a specified term, such as 10, 20, or 30 years. If the insured person dies within the policy term, the death benefit is paid to the beneficiaries. Term life insurance does not build cash value.
• Whole Life Insurance: Offers coverage for the entire lifetime of the insured person. It includes a death benefit and a savings component called cash value, which grows over time and can be accessed by the policyholder during their lifetime.
• Universal Life Insurance: Combines a death benefit with a savings component. It offers more flexibility than whole life insurance, allowing the policyholder to adjust premium payments and death benefits over time.

Life insurance is an important financial tool available to protect your loved ones and provide peace of mind. Allow us to sit down with you and carefully evaluate your needs, research different policy options, and find the best policy for you and your loved ones.

Our Carriers:

• Transamerica
• Securian Financial
• Mutual of Omaha
• Banner
• Manhattan Life Insurance
• & more