Life Insurance for Peace of Mind.
Life Insurance for Peace of Mind.
What is life insurance?
Life insurance is a way to ensure your loved ones are financially protected if something happens to you. It helps cover expenses like funeral costs, debts, and daily living needs. With different options like term, whole, and universal life insurance, you can find the perfect fit for your needs. It's a simple step to provide peace of mind and secure your family's future.
Why do I need protection?
Life insurance provides financial security for a variety of reasons that can vary based on your own unique circumstances.
Income Replacement
For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer can rely on your income.
Pay Outstanding Debts
Life insurance covers essential expenses like mortgages, car payments, college, medical costs, and funerals, providing crucial financial protection for your family after you pass away.
Estate Planning
Life insurance passes tax-free proceeds to beneficiaries, avoiding tax burdens and lengthy probate. It can also cover estate taxes, preventing asset liquidation for heirs.
Charitable Contributions
If you have a favorite charity, you can designate that all or part of the proceeds from your life insurance go to that organization.
Faithfully Protecting Generations
Providing security and assurance for 114 years and counting.
Whole life insurance
Whole Life Insurance offers a guaranteed death benefit and cash value for the policy’s duration, with consistent premiums. Though typically higher than term premiums, they do not increase. This insurance provides lifetime coverage and the opportunity to build accessible cash value.
Term life insurance
Term Life Insurance provides financial security to your loved ones during critical periods. It’s an affordable way to ensure your family receives a death benefit to cover expenses like mortgages, education, and daily living if you pass away unexpectedly. This insurance is crucial for those with dependents, helping maintain their financial stability and standard of living during difficult times.
Universal life insurance
Universal Life Insurance offers flexibility and long-term financial security by allowing policyholders to adjust premiums and death benefits to suit changing needs. It accumulates cash value over time, available for loans or withdrawals, making it versatile for achieving financial stability and long-term goals.
Frequently Asked Questions
Have questions about our insurance plans? Explore the FAQs to find quick and reliable information on coverage options, benefits, and the enrollment process.
Life insurance is a contract between you and an insurance company. In exchange for regular premium payments, the insurer provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your death.
Life insurance helps provide financial security for your loved ones. It can help cover funeral costs, pay off debts, replace lost income, and ensure your family’s financial stability.
The amount of life insurance you need depends on your financial situation, including your income, debts, and the future financial needs of your dependents. Get in contact with one of our Agent Partners today to learn more.
The main types of life insurance are term life insurance, which provides coverage for a specific period, and whole life insurance, which provides lifelong coverage and includes a cash value component that grows over time.
Consider your financial goals, budget, and the needs of your beneficiaries. It’s also helpful to compare different policies and consult with an Agent to find the best fit for your situation.
If you miss a premium payment, most insurance companies offer a grace period during which you can make the payment without losing coverage. If you fail to pay within this period, your policy may lapse, and you could lose your coverage. If you are a policyholder with us and need to make a premium payment, use our Express Pay tool to make a premium payment using your bank account, debit card, or credit card.
The most efficient way to communicate with us is by using our Live Chat tool in your Client Portal. Please also review our Contact Us page for additional methods to reach out to us.
Log into your Account to view all of your policy details. Once you are logged in, you can also make updates to your address, phone number, email, and access other self-service tools.