Life Insurance

Life insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.

There are a number of types of policies available, each with a different approach to fulfilling your needs. It's important to understand each type of life insurance and the benefits it provides in order to match the product to your needs.

Term Insurance

A term life insurance policy covers you for a specific time period and has no cash accumulation feature. The short-term benefit may be used to help pay off a mortgage or a business or personal debt. Some term policies offer a Return of Premium feature, which returns a portion of the premiums to you after a prescribed number of years.

Permanent Insurance

Whole Life
This type of policy helps you meet final expenses while protecting your assets for future needs. You can use the cash value accumulation feature to supplement your retirement income or as a loan source, while the death benefit can help provide for your children's or grandchildren's educations or trust funds. Purchasing whole life for children or grandchildren gives them insurance protection when their premiums are generally low, and guarantees their future insurability.

Universal Life
Permanent universal life insurance provides a guaranteed death benefit plus the opportunity to conservatively accumulate future wealth in a tax-advantaged way. Some universal life insurance offers flexibility and control of the premium payment and death benefit, plus a minimum interest rate guarantee and favorable loan features. Other universal life policies offer fixed premiumns in a product that protects the insured for their entire lifespan, even past age 100.

Get a Quote

Life insurance quotes are available from a selection of quality insurance companies, including:

• United of Omaha
• Genworth
• John Hancock
• AIG American General

For a free no-obligation life insurance quote, please fill out our life insurance quote form.