Life Insurance

What Is It?

     Life insurance can help ensure your family is able to pay the bills, send the kids to college, keep a business running, pay for long-term costs, and help transfer your wealth on your own terms. 

    Term Life Insurance:

           A lump sum of money is provided to serve as a safety net for a fixed period of time - typically between 10-20 years. 

    Hybrid Life Insurance

          This is a life insurance + long-term care coverage. The purpose is to help pay for long-term care needs, and anything remaining will pass to your beneficiaries through life insurance policy

    Universal Life Insurance

          Provides lifetime coverage to protect your family or business from financial loss if something were to happen to you and/or your spouse. (typically federal income tax-free and easy transfers of wealth)

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