Life Insurance and Wealth Protection Products

Term Life Insurance: Temporary simplified coverage that can be issued for coverage terms between 5 years and 30 years.

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Return of Premium Term Life Insurance: A return of premium Life Insurance Policy is a term policy that can be issued for coverage terms of 20 or 30 years. At the end of that term, Your premiums will be returned to you.

Universal Life Insurance: Universal Life policies are essentially permanent term policies. Similar to whole life policies, Universal Life policies provide life long protection, but generate little to no cash value.

Whole Life Insurance: Whole Life Coverage is permanent protection that can be used as both an investment tool and a death benefits policy.

Final Expense Polices or Graded Death Policies: These policies are designed to cover the costs of final expenses. Coverage is typically purchased with face amounts of $5,000 up to $20,000.

Disability Income: Disability Income policies are designed as an income replacement tool in the event you are injured. Benefits are typically limited to a certain percentage of your income.

Long Term Care: Long Term Care is designed to cover the costs associated with an extended stay in am assisted living facility. Depending on the plan design, some of these coverage policies can be issued as a rider on a Universal Life Policy.