Life Insurance

Life Insurance is the transfer of risk from you to the insurance company. None of us know when we will die, and chances are you know at least one person or family who has experienced an unexpected death. The immediate loss of income is devastating for the survivors who depend on that income. If you have dependents, debt, or both, don't take the risk that the people you care about the most in this world could be left with nothing if you die. Not sure how much life insurance you need? This is where we can guide you. The cost may be much less than you think and the benefits are tax-free.

Did you know that some Life Insurance policies have Living Benefits? What exactly does this mean?

It's not only a death that can be financially devastating. A critical illness, such as cancer, a heart attack, a stroke, or even an organ transplant can cause an extended absence from work and could potentially permanently alter one's ability to make a living. An accident or debilitating disease can leave you physically disabled and cause undue financial hardships for your family. A properly structured life insurance policy can give you a substantial portion of the death benefit in the event of such a health event or even give you a monthly income through a feature called an Accelerated Benefits Rider, providing you and your family with a financial lifeline even while you are still alive.