Protect Your Legacy Today

Protection for All Stages of Life

Be Prepared for the Unexpected

As Life Insurance Agents, we work with multiple agencies that offer a strong portfolio of Term, Universal, and Whole Life insurance products designed to help protect you and your family through all stages of life. Life insurance products provide solutions for the following situations:

Help pay off the mortgage or cover mortgage payments if you pass away unexpectedly
Help guard against loss of income
Help protect against economic hardship caused by disability, unemployment, or a critical, chronic, or terminal illness
Help cover your funeral and other final expenses

Term and Universal Life Insurance

Term insurance is coverage that is in place for a certain time period – it is often referred to as “temporary coverage.” You can typically purchase coverage in term periods of 10, 15, 20, or 30 years. If you die before the end of the term period, the policy pays the death benefit to your chosen beneficiary.

Typically, your coverage stops when the term period ends and you may never use the coverage you paid for. As a life insurance agent, we offer products that can return the money you paid if you never use the coverage. We also find you products that automatically extend your coverage to permanent coverage at the end of the term period, without raising your monthly rate.

Whole Life Insurance

Whole life insurance, sometimes referred to as permanent insurance, offers lifetime protection. As long as you continue to pay the premiums, your policy remains active. The affordable monthly rate you start at will be the same rate you pay for the life of the policy; your rates will not increase and your policy cannot be cancelled because of age or health.

Mortgage Protection Insurance

If you’ve recently closed on a mortgage or home equity line, you’ve probably received a flood of solicitations for mortgage protection insurance — usually disguised as official communication from your mortgage lender with few details on what they’re selling.

Mortgage protection insurance (MPI) is a type of life insurance designed to pay off your mortgage if you were to pass away — and some policies also cover mortgage payments (usually for a limited period of time) if you become disabled.

Find out today if you qualify for our 100% Cash Back Mortgage Protection Option!

Indexed and Annuities

An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities, which pay a fixed rate of interest, and variable annuities, which base their interest rate on a portfolio of securities chosen by the annuity owner. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities.

Indexed annuities offer their owners, or annuitants, the opportunity to earn higher yields than fixed annuities when the financial markets perform well. Typically, they also provide some protection against market declines.