Life Insurance

Setting a Legacy for your families future to come

Life Insurance is about ensuring your loved ones are safe, well taken care of, and feel the love you bring for generations to come.

Trusted by our customers

Benefits of Life Insurance

Peace of mind knowing loved ones are taken care of

The right life insurance depends on many factors, but the main goal remains the same. To ensure that any expenses we may leave behind are taken care of, and that the future of our kids, grand kids and family is set up to flourish.

Term

Implied by the name, term life insurance is good for a set amount of time, such as one year, 10 years, 20 years, or more. If the policyholder dies while covered under term life insurance, his or her beneficiaries receive a payout or death benefit.

Whole

Under the investment component, a cash value is accumulated and the insured individual can withdraw or borrow against it. With whole life insurance, policyholders have the ability to accumulate wealth while premium payments go towards insurance costs.

Universal

Universal life insurance is a type of cash value life insurance that offers the low-cost protection of term life insurance with the savings element of whole life insurance. It also offers flexible premiums, a tax-deferred investment opportunity to the insured individual, and a level or increasing death benefit.

Variable

The investment features in variable are designed to help protect the employee and their family and provide access to professionally managed investments that can help employees accumulate money for future needs.

PERSONALIZED Life INSURANCE

Building Generational wealth into your families future

It’s the insurance that everyone needs but no one likes to talk about. However, life Insurance is for more than paying off mortgages and funeral expenses. It needs to be a part of your financial plan, regardless of your age or income.

Life Insurance Should be Secure

It’s the security that comes with knowing that your family or business is secure in the event of a loss.

Life Insurance Should be Valuable

Life Insurance is a powerful instrument that helps with estate planning, retaining top employees, final expenses, and more.

Life Insurance Should be Personal

Life Insurance needs can change rapidly when you reach new stages in life. As an independent agency, we have constructed plans that range from simple term policies to complex business arrangements.

Life Insurance Should be Clear

We will work with you to meet your objectives with plans in which you will have confidence and clearly understand.

Life Insurance Learning Center

We understand life insurance can be tough

Choosing the right life insurance policy and understanding the life insurance benefits can be a lot. Especially around the topic of passing away. That’s what we are here for, we strive to connect and communicate in a down to earth way.

How can I save money when buying life insurance?

Buying a term life or a combination of term and permanent insurance may help you pay a lower premium. Buying a policy early in life is also a good way to ensure a lower premium.

How does the insurance company determine my premium?

Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.

What is a permanent policy?

Permanent policies are typically the best option if you are looking for life-long protection, or an option to accumulate a tax-deferred cash value.

What happens if I miss a premium payment?

Most policies have a 31-day grace period wherein you can pay the premium with no penalty or interest.

If you are an existing customer and need to make a policy change, please call our office and speak to an agent: (715) 561-4720. Policy changes requested on this form will not be accepted.

What if my life insurance changes?

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