PLAN FOR THE UNEXPECTED
WITH LIFE INSURANCE

Whatever your goals, let us help you make the best decision for you and your family.

 

Not sure where to start?
Tune in as Sarah Spears explains your options…

What do you love about your life?

If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement.

But you know the unexpected could happen, and do you have a strategy for your family’s future if they must go on without you?

Life Insurance may be an important part of that strategy and protecting the things you love.

What’s the best coverage for you?

When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals, and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation:

  • Your family is young and growing, so you may be juggling a mortgage, auto loans, and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.

  • You’re more established in life. In addition to providing a death benefit to your beneficiaries, you may leverage the loan or partial surrender features of certain policies to help support things like supplemental retirement income, caring for a family member with a disability, or preparing for eventual estate taxes.

  • You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills, or final expenses.

    *Ask us about our Disability, Accelerated Death Benefit, and Critical Illness Riders

You Have Options

  • Term Life Insurance

    Term life insurance policy premiums remain level for a specified period of time - generally for 10, 20, or 30 years. After the end of the level premium period, premiums will generally increase.

    This may be an option you want to consider when you’re on a more limited budget and will have significant expenses over a shorter period of time.

  • Whole Life Insurance

    Whole life is permanent insurance - you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract.

    Over time, permanent insurance typically accumulates a cash value that can be accessed for a variety of purposes while you’re still alive.

  • Universal Life Insurance

    Like whole life, universal life is permanent insurance that may also accumulate a cash value. It offers more flexibility, though. You can tailor a policy to meet changing priorities with flexible premiums and face amounts.

    Universal life also offers you more control over how quickly your cash value grows.

Let's Get Started!

Common Life Insurance Misconceptions

“Life Insurance is too expensive”

  • There are several options for life insurance, including those with affordable monthly options.

“I don’t need it once my children turn 18 and my mortgage is paid off”

  • Long-term coverage, convertibility, and cash accumulation are other key Life Insurance attributes.

“I have insurance through work, so I’m covered”

  • Work-sponsored life insurance is a great bonus! But once you leave that job, those benefits may not transfer.

“Life insurance is too complicated and difficult to get”

  • Technology has made applying easier than ever, and there are many options that do not require a formal medical evaluation.

“I’m young and healthy and don’t need to worry about life insurance yet”

  • This is a prime time to purchase life insurance as rates are determined based on the age and health of the applicant. Take advantage and lock in a lower rate now!