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Life Insurance

Life Insurance is for more than funds for a Funeral. Life Insurance helps provide an Estate for a Family to continue to survive incase an income is lost, as well as provides a creative way to supplement your retirement with a tax-free income stream.



What Life Insurance is best for you?

  • Term Life – Temporary coverage to cover immediate expenses
  • Whole Life – Permanent coverage that maintains the same rate for
    life or can be paid up before retirement
  • Final Expense – Typically designed to cover your Funeral cost
  • Indexed Universal Life – Best for future planning such as a
    supplemental retirement income or Long-Term Care expenses if

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Your money is not directly exposed to the risks of the stock market or individual stocks. A NO LOSS GUARANTEE of your principal due to market risk or losses. 

Long Term


Long Term Care coverage should be considered early in life while one is in their best health.  

Many Life insurance plans have LTC or Critical Care riders that can be added to them to make this coverage more attractive and affordable.

Each person has a special need but we all want financial security for ourselves and those who depend on us.  


When is the best time to enroll in a Long Term Care insurance plan?

Long Term Care insurance should be viewed as an extension of disability.  It is important to remember that 40% of the individuals needing Long Term Care services are of working age.  The best time to enroll in a Long Term Care insurance plan is between ages 50 and 65. 

What other options do I have?

Short Term Care coverage is another option that normally gives a person approximately 360 days of coverage and is more readily available to those who may have waited a little longer in life to apply.